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No I didn't. I figured that i'd have more chance of a decent settlement without asking for that as well, keep things simple i guess, plus as the amount I was claiming was quite small in the grand scheme of things I just left it out.

My claim is settled, just thought id bring it to the attention of the folks in charge, as I found myself the successes section is good for motivating. http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/1555-rbs-charges.html

Thanks! The letter does use the words "full and final settlement" like you say, but it only ever refers to settlement of this complaint, and there was nothing else on the form that said it was anything more than settlement of this specific complaint. Anyway, it's signed and in the post already And, touch wood, i never intend to be in a similar situation again! Stuart

Well, got a letter from the bank the other day, just got home and opened it yesterday. First page read basically as what i'd been expecting, trying to convince you that they are in the right etc, then the top of the second page... "as a gesture of goodwill and without admission of liablity or error, in this instance we are prepared to offer the amount of £679.74 paid direct to your account" I'd hoped for an offer, maybe a few hundred, but never expected them to offer the full amount - that is (to the penny) the amount i tried to claim. To be honest i was pretty worried about the whole idea of going to a court and setting legal proceedings going. Needless to say I signed the acceptance form and it's in the post, i know it will take a few days but who cares, i'm just over the moon that its done and ive got it in writing. It might look like a long time, seeing when I first started this thread, but the delay was purely down to distractions of my own, it took almost exactly one month from first letter to offer :o I've scanned the letter and uploaded it (minus my address, the ref no, and the signature; think that's all that could cause any problems) if anyone considered it worth reading, i know its of no personal interest to nobody apart from me but if you're claiming from the rbs, it might be on its way to you! Page 1 Page 2 Finally, got to say thanks for everyone's help, ive never posted much but i've spent a lot of time on here reading, both the advice given in this and in other threads, and theres nothing better than a success story to make you go and try for yourself. Also I fully believe that the letters i used, downloaded from this site, were crucial in helping my claim, as they are excellently worded and obviously have done the trick for me. I know a couple of friends are thinking about it and I will send anyone this way with no hesitation. So, thank you very much! This should be the end of it for me, but im going to keep up following stuff on here, its interesting and makes a good read, Cheers, Stuart (very happy :D:D:D)

i just sent the prelim letter thru the post, think i will follow it up with an email this time. the more aware he is of it the better i guess.

Well, no reply from the bank at all so time for the next letter!

right, am ready to send my prelim letter asking for refunds to the sum of £697.74. Im not sure which address would be best to send it to, having read the list of contact addresses pinned at the top of this section. I was thinking send it FAO Tommy McLean, as this seems to be who most people end up dealing with at some point or other?

Hi, Quick one... for a while I was parking in a town centre supermarket car park sometimes during the day. There is plenty signs up, stating a 90 minute limit, and in general I stuck to this - i never parked knowing that i was going to be longer than this, although a couple of times I was, and got fined for it. Thing is, there was never a notice of any kind placed on my car. As i wasnt doing this often, i only got 2 fines, both through the post on the same day, although the dates of the incidents were 2 weeks apart, and nearly a month earlier. I'm sure it wasnt just me that got stung unexpectedly, as this car park used to be packed, impossible to get a space a lot of the time during the day, and all of a sudden it's empty all of the time now. Of course, I was in the wrong, the signs are clear enough, so I just paid them up, it just feels like the company was being devious (not sure if thats the right word) - with no notice on the car, and the delay in getting the tickets, it would have been possible for people parking there daily to receive hundreds of pounds worth of unexpected parking tickets all at once. So, mostly out of curiousity, is there no obligation to leave a notice of some kind with the vehicle? Stuart.

well... finally! yes its taken me a lot lot longer than expected (priorities - uni, work, and more work!) and it slipped to the back of my mind but im finally ready to go ahead, hopefully once its going itll all happen quickly enough. I sent the data request about 2 weeks ago and just got a copy of all my statements going back to the year 2000, so just need to sort through them all and sort out the schedule of all the charges, ive not finished yet but its looking like its going to be about £800ish. So, this should all be sent off to the bank on Thursday/Friday! Now that things are in motion i should be on here a bit more often (i half thought this thread would have been deleted), reading and learning, will keep this updated if/when i hear from the bank. Cheers for now, Stuart

I don't think i did get charged for anything before I was 18, no, as I didn't have any direct debits or anything. I didn't sign a contract when I turned 18, but i signed a contract when i changed from a route 21 account to a student acccount a few months later, so i think the paperwork is all in order. I was home the other day and dug out all my statements, out of roughly 100 pages i have about 60 of them, and the charges on the pages i have (think its most of them) add upto £339.74 - over the last 1yr 7mths. £17.88 a month for the last 19 months, on average. The scary thing is how much the charges have increased over this relatively small period of time. Towards the end of 2004 i got a couple of fines for dipping under and was always charged about £10, which i never questioned because that's not so unfair. This 'Referral Charge' appeared sometime last year, on top of the regular charge, worst i've had is £120 in charges for going about £30 under, cant remember the exact figures off the top of my head. The only explanation I can see for this is greed - the bank's costs certainly haven't increased by 12x - if anything they will have reduced; a computer issues the charges, and computing power is getting greater every year I've been very busy with uni winding up for the year and stuff, but will get round to having a go at them soon. cheers, Stuart

Hi, Brilliant site this - theres millions of us being taken for fools every day and hardly anybody realises it. I've been a royal bank customer for the last 4 years (since i was 15), and over the few years ive paid hundreds in charges. Up until last september i always had wages going into my account every month, quite a lot sometimes was working several jobs for a long time. I've got to admit im not the best at managing my money, and have dipped into the red by mistake a few times, not leaving enough there for direct debit's and stuff, hardly financial ruin as ive always had regular income. Still, the bank refused me an overdraft when i started uni in september, even tho its a student royalties account, i dont see any benefits in it - wouldnt even give me a hundred quid in case i dip in by mistake - so ive been scraping by. All of my student loan payments are paid into the account, a few thousand a year in 3 or 4 installments. I've been fined a couple of times and the fines seem to keep growing and growing. Just the other week i didnt leave enough in for my phone bill and another direct debit, so they came off and left me about £25 in the red. A few days later i paid in a cheque for £350 putting me well back in the black. today i logged onto my internet banking and it was a depressing site - a charge of £39.74 (why that amount ive no idea) and a 'referral charge' of £60 so thats £100 for being £25 under for a few days... Needless to say i really can't afford this, its destroyed the money i was leaving to cover my payments this month. I know in the grand scheme of things its not huge money, but its enough to make a major difference to me. I have complained before to my branch and was told to clear off basically, even got a meeting with the manager and she just told me to clear off the charges are fair and square (in not so many words), she's a charming woman to say the least I'm going to go back through my statements and add it all up and send them the letter from the library on here (good letter )! Fingers crossed eh. Cant deny it i've been in the wrong due to not managing my money, but the charges are ridiculous. It all adds up so quickly and snowballs like crazy. Just between me and a few other students i know they've had thousands of pounds. Will set things in motion in the next few days, i dont see any reason why they should deny me it's definetely worth the try (dont know too much about law etc, just what ive read on here, FAQs etc). Anyway, thats my rant over for the day, will post up on here if i hear from them or whatever. cheers Stuart!