Thread: Lynzilou vs Royal Bank of Scotland

Hi everyone! I've been reading up about all of this for the last few weeks and have gone ahead with the process!

I have £4451.76 in charges that i'm trying to get refunded. They sent me all my statements within 4 days, replied to my 2nd letter within 2 days offering me £830.00 as a goodwill gesture stating their charges were fair, transparent blah blah.

I faxed them the refusal letter yesterday and am also sending it via recorded delivery to them today!

I must admit I am a little nervous about the whole court thing and worried that I will not win my case - as its such a large amount of money! I guess I'm just looking for a bit of reassurance, i've read the success stories and that gives me great hope!

This site is great though and I would appreciate any advice or reassurance!!!

Lynsey



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17.10.06 sent refusal letter giving them until 25th Oct for a full refund or court action
16.10.06 received letter back offering £830 as good will gesture
11.10.06 sent letter requesting full refund within 14 days or court action
10.10.06 received statements, charges come to £4451.76!
26.09.06 sent initial letter requesting statements


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lynzilou, have a look at my thread, and if you need copies of the letters, i can send them to you.

Hi everyone, thanks for the help.

Ok i rejected their offer of £830.00 and today I got a letter from Tommy McLean (pp'd by someone else though!) saying sorry we have failed to reach an agreement with you, please accept their apologies for any unintended inconvenience or upset (!). They believe their charges are fair, reasonable and transparent blah blah blah they are satisfied they comply with all applicable laws and regulations blah blah!! Then they finish it nicely with against that background, we must differ to the views expressed in your letter and that the charges that have been applied must stand. However, thank you again for taking the trouble to write hahahahaha!!

so they had until 26th to respond otherwise court action, so should i send a letter before action giving them one last chance or should i just go straight ahead with the claim?

also, with the claim, does the fee need to paid directly up front? how much is the fee? My claim is for £4451.76 (not including interest). thanks in advance everyone! xxx

Hiya everyone, just reading through the court claim things, looks ok at the moment. Just a quick question.. I receive working tax credits with the child element so I am exempt from paying the court fee. I was just wondering can I still apply through MCOL even though I will not be paying the fee?

Thanks in advance!

Lyns

Hi does anyone know the answer to that? I am exempt from paying the court cost so is there an option to do this on the MCOL website? Once you file your claim do you need to send evidence (of both my exemption from court fee and maybe spreadsheets of charges etc) to the courts too? Any help would be great as RBOS have until Wednesday to get back to me or i'll be filing.

Also i'm really confused about the interest too.. havent a clue how to work it out. My claim is for £4.5k over 6 years, so if i add interest it will go over £5k wont it and then what would happen? is it easier just to claim for the £4.5k once the claim has been filed?

Thanks again guys xxx



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RBS - claim £4451.76

20.10.06 sent fax to Tommy McLean giving one last opportunity before a claim is filed on 25th October! also posted this recorded delivery! just waiting now...
17.10.06 sent refusal letter giving them until 25th Oct for a full refund or court action
16.10.06 received letter back offering £830 as good will gesture
11.10.06 sent letter requesting full refund within 14 days or court action
10.10.06 received statements, charges come to £4451.76!
26.09.06 sent initial letter requesting statements

Hi everyone

Ok - RBoS had until today to respond to my lba and I havent heard back from them. Do they make a habit of ignoring these LBA's? I actually have to go into town (Newcastle upon Tyne) to file my claim tomorrow as I am exempt from court fees so need to take in my evidence etc. Should I give them tomorrow too or just go ahead and file it?

I have looked at a few different people's 'Particulars of Claim' and i'm ok with this bit - but on the N1 form, there is a 'Brief Details of Claim' - what should I put on this bit??? I want to make sure it sounds professional and 'proper' lol. Any help would be marvellous!!

Thanks in advance!


---------------------------------------------------------------------------------------------------------
20.10.06 sent fax to Tommy McLean giving one last opportunity before a claim is filed on 25th October! also posted this recorded delivery! just waiting now...
17.10.06 sent refusal letter giving them until 25th Oct for a full refund or court action
16.10.06 received letter back offering £830 as good will gesture
11.10.06 sent letter requesting full refund within 14 days or court action
10.10.06 received statements, charges come to £4451.76!
26.09.06 sent initial letter requesting statements

Hello! Well sent off my claim to the courts today, when I arrived home there was a letter waiting for me on the doormat! From Tommy McLean, pp'd by Ross McDonald! The letter read:

Thank you for your letter of 20th October 2006 and i am sorry to learn you remain dissatisfied (damn right!)

There is nothing I can add constructively to past correspondence but I would like to resolve matters with you. Against that background and as a gesture of goodwill without admission of error or liability, I am offering the sum of £2685.00 in Full and final settlement of your complaint. However our t&c's will continue to apply and any charges that accrue in the future must stand.

I hope you will consider this to be a fair and reasonable settlement (fair?!) and on receipt of your signed acceptance I will make arrangements for payment within 5 working days.

A prepaid envelope is enclosed for your use (how much do they want me to accept??!!)

This is getting so tempting - i'm 5 days away from having £2685.00!!! But I know I'm only a few months hopefully away from having at least £4451.00!!!

Please keep my spirits up here! I'll send off the thanks but no thanks letter tomorrow and as I said, I sent my claim anyway today. On my refusal letter should I mention that I have sent away my claim for processing? or just the usual thanks but no thanks.

Thanks again!!!

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RBS - claim £4451.76

26.10.06 received letter offering £2685.00 in full and final settlement
26.10.06 filed claim with courts -sent off N1 form with spreadsheets
20.10.06 sent fax to Tommy McLean giving one last opportunity before a claim is filed on 25th October! also posted this recorded delivery! just waiting now...
17.10.06 sent refusal letter giving them until 25th Oct for a full refund or court action
16.10.06 received letter back offering £830 as good will gesture
11.10.06 sent letter requesting full refund within 14 days or court action
10.10.06 received statements, charges come to £4451.76!
26.09.06 sent initial letter requesting statements

Hi lynz, I'm newer to this than you are and am watching your progress with great interest as I too am aiming to claim from RBS. Rooting for you.
Ponine.

Thanks Ponine! I'm a bit nervous about the whole court thing but everyone on here is so helpful, i'm hoping they're gonna help me out if things get complicated!

I'm so tempted just to take the £2685 - especially since its so near to Xmas etc. If I dont, i'm probably looking at 2/3/4 months down the line.

When I look how long its taken - only 1 month - to get this far I wonder if they'll act quicker. I know its in the hands of the court now though so who knows!!

I really cant make up my mind!!!

Hi Lyndz,
I'm at exactly the same stage as you and also received my 'partial settlement letter' yesterday. My claim isn't for quite as much as yours, but I felt the same temptation.

However, I agree with what the others have been saying. There's a principle here - the charges are unfair (unlawful) and so why should we settle for anything less than a full refund? I'm rejecting my offer today.

However, after reading lots of the other threads I admit I have now bought into the contractual interest idea - although I didn't raise this in my prelim or lba. So I have given Tommy-boy another week and warned that if this matter has to progress to court, I will be seeking the higher rate of interest too.

I am expecting them to settle in full before the court stage, but a part of me hopes they don't just so I can get the interest money!

Anyway, I'm looking forward to hearing how you get on, especially as we are at the same sort of stage.

Good luck!

x Cheese

Hi

I have just read all your threads. I have just received all my statements over the last six years and like you my charges amount to just under 4.5k. I couldnt believe it! My charges are 99% due to them taking charges out of my account at the end of a working day and taking me overdrawn again. Does this sound familiar to you?

Your story is really inspiring me - how are you getting on?

Hi Lynzilou,

I too have completed the Court Claim form on the website this evening. My 14 days were up last Friday but had to wait till today before I filled the form out - Pay Day !. The claim cost me £120 to complete. I am claiming £2690. plus 8% - In fact me and my husband are not the only ones to be claiming from RBS - I have 3 boys who are also going down the same road. My last correspondance with RBS was the letter I received last Wednesday- from my local branch. Verymuch the same content as you received but mine said they will not be refunding any of the charges ! ' but thank you for taking the time and trouble to write.' So all guns blazing now - Ive gone for it. I too, am feeling a little uncomfortable about taking this course - its all very well reading Martin Lewis's website saying the banks will back down as it will cost them too much - but just you watch - I bet they wont back down with mine - just my luck. Anyway I have everything crossed now - bit uncomfortable when I sit down tho ! ha ha.
Does anyone out there have an inclin as to when I should hear something is going through and would I get a response from RBS now I have issued this claim ?