Ta daaaaaaaaaaaaaaaa Just had a letter from a nice Mr Nicholas Lieberman at customer relations offering me full settlement of £608 ! " This is offered as a gesture of goodwill and without admission of liability or error. We are satisfied that our charges are fair, reasonable and transparent" He goes on to say "Kindly note that should you be unwilling to accept administration charges that may accrue in the future in relation to unarranged borrowing and that would be in line with our published tariff, then we may need to consider if we are prepared to continue offering you the flexibility you enjoy with your current banking facilities" I have a parachute account in place already, but I don't plan on allowing the shysters to charge me illegally in future, so fingers crossed I won't need it. I'll send my acceptance today and fingers crossed will have the money ready for the new year. Without this site it wouldn't have been possible. I'm off to make my donation now and encourage everyone else to do the same. Thanks Consumer Action Group

I'd proceed with your LBA, you issued a clear timescale with your first letter and they are flannelling. You could wait ad nauseum, best to crack on!

Well done you!!

Prelim request letter asking for my £608 to be returned, sent out today. 14 days and counting, eeeh I'm quite excited

Good luck Tweaky! well done on being so organised

Update time! I sent my SAR for two RBS accounts and got a nice letter back from Joyce E Tudor at RBS retail regulatory risk, first account no problem but the second account I closed 3 years ago and they can't provide statements without a sort code too. So I'll dig out the sort code and branch details and ask again, but I can't remember exactly when I closed it. Anyhoo back to account one, I got the uber package of statements today and have highlighted all the relevant charges. At least I think I have... I know I can't claim for the service charge as it was a royalties account, but what's a referral charge...I'm assuming I can claim these back? Some months they've charged me a £60 referral charge and I have no clue what for?! I've entered all the charges into the splendid Vampiress spreadsheet and will send off my prelim request for payment asap. It totals £608 which isn't as much as some successful claims I've seen here, so fingers crossed they'll roll over and accept the inevitable sooner rather than later

Hello, just a quick hello, I'm planning to claim back my charges from the RBS and then CC companies. A bit nervous, but I'm reading all I can on this site and am determined to get MY money back Scrof

Hello, just a quick hello, I'm planning to claim back my charges from the RBS and then CC companies. A bit nervous, but I'm reading all I can on this site and am determined to get MY money back Scrof