Hi there,

I sent my 1st letter off to my local bank last week explaining that I want my charges refunded and I have received the letter below back.

I was wondering if this is a standard letter (I know bits of it are but the bits I am unsure of I have highlited in bold. Can someone please have a look to see if this is a standard letter please as I am going to send in letter 2 tomorrow

 

dear xxxxxx

 

Thank you for your letter dated xxxx and I appologise for any dissatisfaction caused by the application of charges to your account.

 

We believe that our charges are fair, reasonable and transparrent.

We consider the amounts debited to your account have been applied strictly in acordance with your agreement with usand our published tariff, which we are satisfied complies with all applicable laws and regulations. We are also commited to ensuring the transparecy of the info that we give to our customers about the operation of our products

 

Against that background, we must differ to the views expressed in your letter.

Accordingly the charges that have been applied to your account must stand.

 

Thanks etc...

 

Can anyone shed some light for me as I think that this isnt a standard letter.

The letter was sent by my local branch and not Tommy McLean etc at head office.

Thanks in advance.

It looks pretty standard to me - don't let them rattle you!!

Stick to your guns & your timetable - after the 14 days have passed since you sent in your 1st letter, send in the Letter Before Action.

You're doing fine, keep us updated!

Thanks for the reply JMio

It appears that I have mistakenly used a different template for my 1st letter.

I sent them the following letter which was replied to above.

Dear Sir/Madam,

I refer to default charges which have been applied to my account over the last 6 years by The Royal Bank of Scotland, amounting to £767.98.

I have been a loyal customer of The Royal Bank of Scotland for 16 years.

 

I have always maintained my account well and believe that the charges applied to my account do not reflect the cost to the bank of my account going into unauthorised overdraft.

I therefore ask that you repay the amount of all these charges, £767.98.

I am happy for you to contact me on ******* to discuss the matter.

Yours faithfully

 

 

I will stick to the templates from here in future.

What letter should I send my local branch next?

this one

or

this one?

Sorry for the confusion and thanks for your help

If I were you I would go for the pre-lim one, simpy because you haven't actually stated in your own letter the "legal" reaon you are claiming back your money. You also haven't given them a deadline etc It will only make a difference of about 14 days or so, as that is how long you will give them to reply to the pre-lim letter. If you don't get a satisfactory response after sending that then send the Letter Before Action (LBA).

Good luck.

Hi,

Just noticed your thread. I have got exactly the same response and I am about to go to the next stage, ie Small Claims Court. Will keep you informed

Well after I had used the wrong template I realised that I am not claiming enough!

I am just out the bank there and handed over 3 letters for various amounts totaling £1100.

I had an interesting chat with the lady at customer services and she informed me that she will be sending these to head office as there is a dept there who deal with these sort of claims so hundreds of people must be trying to get their money back from RBOS.

Fingers crossed it all works out as the RBOS are robbers without the mask!

I will keep you all updated with my progress

Thanks for all your help