OK I got my 'go away' letter from Tommy McLean after I rejected the offer of £830 (when my claim is for £4551.76!!). How does this sound - i know a few people have had a settlement after this sort of letter has been sent. I stated in my letter last week that they had until 25th October - this is just re-enforcing it. Any advice / suggestions would be great. Thanks very much:

Dear Mr McLean

Account Number: XXXXXXXX

Thank you for your letter dated 18th October 2006. I am also disappointed that this matter has not been settled and you have failed to refund my charges of £4551.76.

As stated in my previous letter, if a full refund is not offered by you on or before 25th October 2006 I will be filing a court claim against the Royal Bank of Scotland. I will claim for my full refund plus court costs and interest pursuant to County Court Act section 69. I therefore believe it is in your best interests to settle this full amount as soon as possible before it goes any further.

I must also add that there is a £28.00 charge to be applied to my Royalties account on 28th October 2006. I must advise you that if this charge is applied then I will include this in my claim to be refunded.

I hope this matter can be settled prior to any legal action is required, however if it is not settled it remains my intention to file a county court claim on 25th October 2006.

I look forward to hearing from you.

sounds good, the only thing I might change would be to para 4 wording

"I hope this matter can be settled prior to any legal action is required, however if it is not settled before 25 October 2006, I will file a county court claim without further correspondence/ communication with yourselves.

Something like that, just to let them know that you WILL do it and are not going to fanny about with any more letters.

Of course, it's your call.

j

thanks very much! i've amended it now - what do you think of this one:

Thank you for your letter dated 18th October 2006. I am also disappointed that this matter has not been settled and you have failed to refund my charges of £4551.76.

You mention in your letter that your published tariff complies with all applicable laws and regulations. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

As stated in my previous letter, if a full refund is not offered by you on or before 25th October 2006 I will be filing a court claim against the Royal Bank of Scotland. I will claim for my full refund plus court costs and interest pursuant to County Court Act section 69. I believe it is in your best interests to refund me a total of £4551.76 as soon as possible before it goes any further. I am therefore giving you the opportunity to reconsider your position before I continue with the legal process.

I hope this matter can be settled prior to any legal action being taken, however if it is not settled it remains my intention to file a county court claim on 25th October 2006 without any further contact with you.

I must also add that there is a £28.00 charge to be applied to my Royalties account on 28th October 2006. I must advise you that if this charge is applied then I will include this in my claim to be refunded.

I look forward to hearing from you.

SOUNDS FINE.

Get the stamp out, and good luck!

j

Hi there,

Great letter! but to speed things up for you why don't you email him instead? You have sent your LBA already haven't you? Oh but did I hear that he's not in the office? up to you anyway, you've sent a schedule of charges plus interest haven't you? just stick to your timetable.

Good luck

Wxx