Thread: Help please – RBS response to preliminary approach for repayment

Hi all. I’ve only just stumbled across the Consumer Action Group site today whilst trying to find out the next step I should take in reclaiming my bank charges from RBS.

Initially I have been following the reclaiming processes as laid out at years worth of bank statements, totalled up my charges with interest and used their template letter (http://www3.moneysavingexpert.co m/files/bank_charges_templates/letter2.rtf) to request repayment and received the following response, in the allotted 14 days:

“Thank you for your resent letter regarding the fees applied to your account.

We are currently considering your claim. Given the work involved in assessing your claim we anticipate that we will be in a position to respond within 6-7 weeks, but will endeavour to do so sooner if we are able to”.

I can’t seem to find information anywhere as to what someone given this sort of response should do next as they have not rejected or denied my claim, they’re just intent on taking for ever to do anything about it.

Questions:

• Is 6-7 weeks acceptable, and what do you do next if it isn’t? Are there any template letters for a response?
• I have also incurred defaults on this account due to the charges. The letters on MSE didn’t mention getting them removed but on CAG they do. Can I still add this element to my claim?
• Since I’ve submitted my claim I’ve incurred another £35 charge. Can I add this to any further correspondence?

Sorry for the long post but didn’t want to leave out any details for my particular claim in case someone else has similar issues.

Any help would be greatly received.

Thanks

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Hi

Not sure I can be much help but here goes....

I had that reply from my prelim letter, not sure which letters you've sent but the general consensus around the site is to carry on with your timescales as you laid out in pre-lim and any subsequent letters.

You certaily can get the extra charges back not certain on the details of that though, hopefully someone with more experience will come along and help you

Good luck
Some people gett the default all done as one package but I think i've seen a few people recommend that you deal with them seperately.

Hi,NOLOGO1981.
I'm in the same situation as you.Afew days ago I received the same letter stating it would take 6-7 weeks to evaluate my claim.My account has also been defaulted and has accrued another charge of 38.00 since i first contacted them.Unfortunately I know about as much you and am not sure what do to next either.