Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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I've got a total of about 17 lots of charges to claim back from different banks and cards - some of them for pretty small amounts, but they add up to quite a bit.
Started off with the Coop, and now going on to my RBS current account - have just sent a letter off claiming back £350 charges, and I'm also including interest at 19.05%, the authorised overdraft rate, totalling £265.86. I was very unsure whether to include interest, and if so, how much, but having spent may hours perusing the website, decided in the end to go for it.
Had a letter on 8th February, offering me £320, i.e. they have excluded 2 charges totalling £35.33 without any explanation, and have mentioned nothing at all about the £265 interest I claimed (at their overdraft rate of 19.05%).
I wrote back, asking them to explain the omission of the 2 charges, and reiterating my claim for a refund of the interest on these charges.
They replied on 19th February, repeating the offer of £320, with still no explanation of the 2 missing charges, and refusing to refund any interest, on the grounds that their offer is a "goodwill gesture".
Does anyone have any thoughts on whether I should just accept the offer, or demand an explanation of the £35.33 again, and/or demand the interest again, or just go straight to a small claims proceeding? Has anyone successfully claimed interest from RBS?
You should follow the process from whatever point you are at now. As they have only offered you a partial settlement, you should send them a partial settlement letter (can be found in the guide in the FAQ forums). Stating that you will be progressing to the next stage. They will come round to your thinking eventually, you just need to continue with your claim in the right way.
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Got a letter from RBS today, offering the whole amount of my claim, £616, i.e. including contractual interest at their authorised OD rate. Result! Persistence pays off in the end.
How do I move this to the successful claims thingy?
Bolivar vs RBS
current account - have just sent a letter off claiming back £350 charges, and I'm also including interest at 19.05%, the authorised overdraft
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