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Hi I wonder if anyone can help? I've just received a letter this morning sateing that they feel the "charges are fair, reasonable and transparent, they consider that the amounts debited to my account have been applied strictly in accordance with my agreement with them and are satisfied they comply with applicable laws and regulations".
They go on to say that they have "considered and responded to the Office of Fair Trading's findings in relations to credit card fees and are concerned that the OFT has publicy called into question the settign of charges applied to other products incl current accounts. The OFT has restricted its investigations to credit cards and made no attempt to consult with RBS or the industry in relation to other entirely different products"
"Consequently, against background, we must differ with the views expressed in your letter and will not be refunding any of the charges to your account".
What do I do? Is there any point in pursuing, or should I take it that they will not refund me?
I would be grateful of any advice, this is pretty scary stuff!!
Looks like all the banks are singing from the same song sheet. A *& L aand MBNA send the same ones also.. Stick to you timetable. They are hoping you will fold and go away..
Glad I read this thread I got the same letter yesterday when I arrived home but i will carry on with the next step tonight and post the letter in morning - recorded of course.
Good luck everyone
Just to put in my 2p worth. Same as everyone else really.
This is standard tactics by all of the banks. It's meaningless bluster. Carry on and stick to the timetable. You will get there, just don't let them intimidate you.
Anytime you need support or are worried just post up on here; we've all been there.
Pete
I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6
Hi, I've also received a 'we will not be refunding any of the charges letter' but the guy rattled on that my letter referred to credit card charges which I have checked and it was the correct standard letter that I copied and pasted from the templates. He also said that I was wrong to say that the bank was acting as a fudiciary and that I should seek legal advice????
Hi, I've also received a 'we will not be refunding any of the charges letter' but the guy rattled on that my letter referred to credit card charges which I have checked and it was the correct standard letter that I copied and pasted from the templates. He also said that I was wrong to say that the bank was acting as a fudiciary and that I should seek legal advice????
Has anyone else had this kind of letter?
thanks
Do you have a thread about your claim? Can you PM me a link to it please.
Pete
I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6
Hi I wonder if anyone can help? I've just received a letter this morning sateing that they feel the "charges are fair, reasonable and transparent, they consider that the amounts debited to my account have been applied strictly in accordance with my agreement with them and are satisfied they comply with applicable laws and regulations".
They go on to say that they have "considered and responded to the Office of Fair Trading's findings in relations to credit card fees and are concerned that the OFT has publicy called into question the settign of charges applied to other products incl current accounts. The OFT has restricted its investigations to credit cards and made no attempt to consult with RBS or the industry in relation to other entirely different products"
"Consequently, against background, we must differ with the views expressed in your letter and will not be refunding any of the charges to your account".
What do I do? Is there any point in pursuing, or should I take it that they will not refund me?
I would be grateful of any advice, this is pretty scary stuff!!
Thanx
hiya,
i received the same letter from the bank, it is just a wee fob off letter just you carry on with your timescale as others have said.
Good luck
BOS-CC
21.6.6 - DPL pstd, 24.7.6 - Plm Ltr £2928.77 ,01.8.6 - Ltr rcvd from BOS- fob OFF,04.8.6 - LBA pstd,06 - Sm Clms fr crt,12.9.6 - rcvd £868.35 part pymnt, £2198.67,12.9.6-ltr acptng pp and lba,
31.10.6 - Sm clms fr crt BOS-Crt(2)
21.6.6-DPL pstd,04.8.6-Plm Ltr £4824.93,24.8.6-LBA pstd RBS1
24.7.6-DPL pstd,05.9.6-Plm ltr £3232.47,19.9.6-LBA,31.10.6-sm clms crt Won RBS2
18.9.6-DPL pstd,08.11.06-plm ltr £1,138.51 Won
Sent my letter back today letter before action. They should receive it today. I will wait for reply. Will keep you informed as to outcome.
Good Luck to all of you.
I've had exactly the same letter, and to be perfectly honest it makes me hoping mad!. I will go on!, but how do i respond to this?, send another letter? i.e. letter before action?.
Cheers
j
Data Protection Letter RBS 18/10/06
Preliminary approch letter - RBS for £984.68 08/11/06
Data Protection Letter MBNA 18/10/06
Amount charged £1,126.25
Data Protection Letter Barclaycard 18/10/06
Amount charged TBC
Data Protection Letter HBOS 07/11/06
lba and make sure that you add any additional charges that you may have incurred since you sent the original Request for Payment Letter. I'm just about to send mine and I've also added;
Please also be aware that I am a member of the Consumer Action Group. May I suggest therefore that it would be prudent for you to respond positively to this letter and not issue the standard delaying response which will only prolong this matter and incur the bank additional charges as I fully intend to take this matter to an acceptable resolution?
Hopefully this will make them get their finger out but I'll let you know!!
hi,
I got exactly the same letter on 31st October, so I sent off my lba on the 6th November and recieved my offer on 13th November.
I sent off my rejection letter on 15th November, and start my court claim on 20th November if they do not settle.
So just send your LBA off and sit back and wait.
regards
kev
We will not be refunding any of the charges
or the industry in relation to other entirely different products"
Reply With Quote
Originally Posted by Lemondrop
Re: We will not be refunding any of the charges
