**S Smith vs RBS** ....some qus please.

**thegujju** · 16th January 2007 14:54

Have two accounts with RBS icon

...Student and Savings - I imagine I've run up charges of nearly £2k on the Student one and probably £200 or so on the other.

Anyhow, Wrote to both branches (student account was opened up in Scotland and Savings was opened where i live now, in England) on the 20th Dec. Had no reply so decided to ring both branches today - both said that no letter had ben received but they would request statements and I should expect them within 7 days.

Browsing through the forum I see people have been making seperate claims when they have two accounts with the one bank. Is there anything wrong with me doing it all under the same one claim?

Also, I would prefer to take the complaint directly to customer relations (as opposed to going through branch).....should I address my letter simply to 'cust relations' or could I use a person such as 'Tommy McLean" who I understand deals with a lot of these.

Sorry if these qu's appear silly - its just that I'm a bit nervous at 'taking on' a bank.

Thanks!

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**isidore** · 17th January 2007 12:07

No reason you can't merge claims.

Bear in mind if you are now in scotland, small claims court has a limit of £750 so would need to split your claims down into pieces.

I used the customer relations address on the RBS icon

website that you should write to if you have a complaint.

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**thegujju** · 24th January 2007 20:24

Thanks for that.

Recieved the statements for my student current account today and the charges come to £700. Should get the statements for my other account in the next couple of days. I estimate the charges for that one will be around £500.

I have a small concern though....My student overdraft icon

limit is 2k and I generally operate close to that limit each month. What is the possibility of RBS icon

calling in the overdraft once I make this claim? This would be a MAJOR problem for me since I wouldnt have the funds to pay this off (at the moment anyway).

Cheers,
S

**isidore** · 25th January 2007 11:21

I don't really know.....we can't second guess the banks. They might, they might not.

If you don't muck up and go over your overdraft icon

they don't really have any reason to.

I wouldn't like to say categorically no they won't because they could if they wanted to. Do a bit of reading, search for keywords relating to your questions see what comes up.

**smithsu01** · 25th January 2007 11:41

All I know is my experience - I, like you operate fairly close to my £1500 overdraft icon

so this was also a concern of mine. Just after I started this process I received a letter requesting I go into the bank to discuss my overdraft facility....'here we go' I thought but when I phoned them they tried to make out it was my annual review but thankfully I could remember when that was due and it wasn't due for another 6 moths so I pointed this out, made her tell me it must be a mistake and asked her to show this on my file. I then phoned back later that day and asked someone else who confirmed it had been done. I haven't heard anything else.
In saying that I'm due my claim from them soon so maybe the tone will change when I have money they can take back off me!!

**thegujju** · 25th January 2007 14:52

Thanks for your replies....I guess this is a risk I'll just have to take. Received second set of statements today and total charges come to £1100ish (wont put the exact amount here in case RBS icon

are watching - lol). Going to mail my initial letter in an hour or so to Cust Relations at South Gyle.

Will keep y'all updated as and when I hear anything!!

**missm** · 25th January 2007 16:26

Open a parachute icon

!

**thegujju** · 9th February 2007 14:24

Well today was my deadline (gave them 10 working days) and thus far nothing from RBS icon

. I emailed sandy watt a few days ago who said, "because of the volume, we do not ackowledge letters however I can confirm we have reveived your and expect a response in the near future".....Going to fire off lba icon

before 5pm today - can I also email the LBA?

**missm** · 9th February 2007 15:04

I sent my Prelim the same day you did and recieved an offer for the full wack today!! you can do it all via email if you like, saves the cost of postage.

**thegujju** · 9th February 2007 15:10

Originally Posted by missm

I sent my Prelim the same day you did and recieved an offer for the full wack today!! you can do it all via email if you like, saves the cost of postage.

Congrats & well done!!

I think I may just email them now.....saves the trek to the PO in this freezing weather!

**telewest** · 9th February 2007 23:08

edited

**thegujju** · 14th February 2007 13:07

And I won!

Offer of full refund received from T McLean on Saturday 10th. Mailed it back special delivery which got there on the 12th so just awaiting them putting the money back into the account now (does anyway know if they are pretty quick at this?).

So it only took about 15 days in total.

Thanks to all at CAG icon

. Will be making a donation icon

once the funds hit my account.

**missm** · 14th February 2007 16:54

my first claim it took about 4 days from the time I sent my letter fro funds to hit my account.... this time I have sent my letter back on Saturday Feb 10th but still no funds in my account... i like the 2nd class postage envelope they now include with the offer letters

what they are paying in charges they are saving in post!!

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