PS make sure when you settle there are no conditions applied to the settlement or they will be able to stop u ever appling for charges again......

PS busterbrown: and anyway i thought i had lost the money anyway. so have nothing to lose. maybe i will be the chosen one and go to court and we can settle this once and for all for everybody out there........... anyway keep me informed.......

Nice one busterbrown keep me informed of how u get on. i have an agenda and wont settle for anything less than the full amount plus interest. im claiming £6000+ over a six year period using the argument that the statue of limitations of 5 years does not apply due to the fact the bank hid the details of the charges they were appling to my account from me by telling me they were legal.

OK took the Leap of faith and have sent the prelim letter special delivery on 10th feb it arrived on the 12th at 1pm. Recieved a letter today from the RBOS states Thanks for your letter dated 10th feb 07 regarding charges applied to your account. we are currently considering your claim and will respond to you as soon as possible. your sincerely sandy watt. STALLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLing? according to my agenda i have planed for this. and the Rbos have until 26th feb 07 giving them the full 14 days before LBA is sent. so far so good. will keep you informed of how it goes. AM currently writting LBA.

ps i do however have a sister in england where i can get mail directed and also allow me to use the online mcol {online court system} but need address in england to use it.

ok that works for me my sister lives in england so tech i could use it then.

there is a time limit you can only claim back 6 years in england and only 5 years in scotland. i am claiming back 6 years even though i am in scotland and i will chance my arm at getting it all.

thanks for the replys. yes in fact i live 200 yards from my branch so i will hand deliver and ask for receipt. ps. is it possible for people in scotland to use mcol to take the bank to court or is it only people in england that can use this service thanks.

i would check with the people that hold the trust deed what the implications are if i were to claim this money back from the bank. also how long is the trust deed to run. this can all be checked before step 2. also if the trust deed is to run for say another year then personally i would wait till it was finished then claim this would then mean i get all the money?

i think this is how it works. a subject access request is for data held by a company about you and you are entitled to all this information for a small fee not exceeding £10. the trust deed should not stop you from getting information about you from any company. hope this helps

Ok think i am tooled up for this battle. sent request for statements, got them. been through them and filled in spreadsheets. rem not to add the 8% the court will in the total im claimming. but did add the interest for the charges. Finished filling in the prelim letter and ready to post via royal mail recorded delivery....... one question send it to head office or my branch. ok anyone think of anything else before i drop the letter in the box...... will let you know how it all goes.

Hi people, I have been reading your forums on how to claim back money from rbs and am pleasently supprised to see people are winning. I have not yet read all the info on claiming charges but it looks a minefield to me, but i will endevour to complete this. I have taken the first step and paid for all my statement back to the year 2000? is this to far back? so far i have totaled up the charges to the year 2003 and it comes to 3920.00, i could not belive it? but i must say i need help from anyone who has completed there claim. i feel i am in over my head? i look forward to hearing from anyone interested in helping me through this. thanks progolfer1.