The whole amount was inlcuded in the Trust Deed and it is still in force, what do you suggest regarding the latest developments: see entry posted here: http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/96748-2430-awarded-but-clause.html

Does this mean I am snookered and this is why they offered the full amount so easily because they know i wont be able to get a penny.

I am obligated to notify the Trustees of any change in income, not the bank,.

I received an offer for the above amount today. However they are insisting that they transfer the funds into the account that I accrued the charges on, is this legal? They refuse to transfer it to my account at another bank and point black refuse to issue a cheque. I signed a Trust Deed(similiar to an I.V.A.) a number of years ago and the account that I accrued the charges on was included in the Trust Deed, therefore the account is still open but with Credit Management Department (RBOS) who will not allow any customer transactions but they are going to reduce the amount that we owed by the offer amount once transferred. As the debt amount at the time was covered by the trust deed are they allowed to do this? Please help urgently as I need to respond within 7 days.

I had the misfortune of having to organise an I.V.A. due to bank charges, redundancy etc. Does anyone know if I successfully reclaim these charges can the R.B.S. take the money back for the debt that was part of the IVA (Credit Card Debt)

This may seem ironic, but because of all the charges I ended up signign a Trust Deed (I.V.A. in England & Wales) and part of it was to have some debts to the R.B.S. (Credit Card and overdaft) written off. IF my claim to get the bank charges are successful can they claw the money back???

This may seem ironic, but because of all the charges I ended up signign a Trust Deed (I.V.A. in England & Wales) and part of it was to have some debts to the R.B.S. (Credit Card and overdaft) written off. IF my claim to get the bank charges are successful can they claw the money back??? :confused: :confused:

Thanks, I feel foolish now. however onwards and upwards, I want to make the B's pay me some if not all of the cash back

That should read DPA Letter not SPA

I sent the initial letter with the SPA letter to speed up the process but neglected to put the amount in as I was unsure of the total until I could verify I had the correct info. Therefore do I resend the the initial letter with the actual amounts rather than submitting the LBA letter. Sorry but I was advised by another website to submit both at the one time. :oops:

Sorry, new to this have started new thread in the appropriate forum.:o

I got my statements but it took about 3 - 4 weeks, I also included the informal letter requesting refund but didnt receive a response to that until a further 3 weeks:(

I received a bland response in addition to my 6 yrs statements saying that when I signed up with the account I agreed to the terms and conditions. They didn't say they would or would not refund the charges. DO I go straight to the letter of legal action next? Their charges contributed to me almost going bankrupt and had to sign a Trust deed. I had banked with them for 20 years and got charged at evey opportunity by them. :confused:

I sent the original data protection act form and duly received the statements which total £2.5k approx in charges, I also sent the original request and received the wishy washy response as per above. DO I now send the formal notice of intent of legal action?

I had a reply but very non-descript. they haven't actually said that they will or won't refund any cash, merely that when I signed up I agreed to the terms and conditions of the account.