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Snoopy v RBOS - success! but I have a question...


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Many thanks to all who organise this site, as I have just received £88 charges back from RBOS (that was all I was owed, just one month's charges).

 

I sent the preliminary letter (reworded, I'm afraid I found the language a bit OTT) to my branch (Swindon) on Thursday and got a reply today! (I've always found my branch staff to be very efficient - which is why I stay.)

 

Anyway, just one question, if anyone can help... they've given me the usual about believing their charges are 'fair, reasonable and transparent' and they've refunded the charges as a 'gesture of goodwill'. They've then gone on to say that 'Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges.' I'm assuming that this is not enforceable for any charges they may apply in the future... does anyone know? I'm thinking I should write back along the lines of... thanks for the gesture but I reserve the right to reclaim any future charges... or should I just leave it and cross that bridge later?

 

Thanks in advance for any help.

 

PS. Please accept my donation in thanks for your help in getting my money back.

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Guest Lueeze

Wite to them thanking them for the refund, but you will not accept future charges to the account. Somehwere Spiceskull has a letter he wrote to his bank advising that they are not to take future payments. You have to look for it under the HSBC threads...

 

Lou x

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Hi,

 

Thanks for that. I'm sending them this today:

 

Thank you for your prompt reply to our previous letter and thank you for your goodwill gesture of refunding our money.

 

We accept this payment in full and final settlement of this claim only but do not accept your assertion that these charges are legal. You acknowledge that you are in discussion with the OFT in relation to credit card charges and I infer that you do not believe bank accounts to be included. However, I refer you to the OFT document, ‘
Calculating fair default charges in credit card contracts.
A statement of the OFT's position
’(Apr 2006), which states

 

In our view the basic principles set out here also apply to other analogous default charges in consumer contracts, for example in agreements for bank overdrafts, mortgages and store card agreements. We invite the banks to reconsider such charges accordingly.

 

We hope therefore that you will make no further punitive charges on our accounts but if you choose not to follow the advice of the OFT we will reclaim any such charges.

 

Will keep you posted...

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As this is my first post, my apologies if its the wrong section.

I am about to issue a Bluey against RBoS. The usually letter saying "transparent charges etc and matter closed.

 

I am advised by them to issue proceedings to the Edinburgh office, but the on line Court page says Enland and wales only, can anyone advise please?

 

Thanks

 

Chris

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As this is my first post, my apologies if its the wrong section.

I am about to issue a Bluey against RBoS. The usually letter saying "transparent charges etc and matter closed.

 

I am advised by them to issue proceedings to the Edinburgh office, but the on line Court page says Enland and wales only, can anyone advise please?

 

Thanks

 

Chris

please could you start this claim in a new thread. You are hijacking someone else's thread and it makes the confusing for everybody to follow both claims.
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Many thanks to all who organise this site, as I have just received £88 charges back from RBOS (that was all I was owed, just one month's charges).

 

I sent the preliminary letter (reworded, I'm afraid I found the language a bit OTT) to my branch (Swindon) on Thursday and got a reply today! (I've always found my branch staff to be very efficient - which is why I stay.)

 

Anyway, just one question, if anyone can help... they've given me the usual about believing their charges are 'fair, reasonable and transparent' and they've refunded the charges as a 'gesture of goodwill'. They've then gone on to say that 'Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges.' I'm assuming that this is not enforceable for any charges they may apply in the future... does anyone know? I'm thinking I should write back along the lines of... thanks for the gesture but I reserve the right to reclaim any future charges... or should I just leave it and cross that bridge later?

 

Thanks in advance for any help.

 

PS. Please accept my donation in thanks for your help in getting my money back.

 

There is no need to reply to their letter and no need to worry about being prevented from claiming future charges.

 

You have not agreed to anything. They have sent you the money which was sent to without asking you to agree anything in advance. They cannot unilaterally impose conditions on you.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Thanks

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