HI ALL

Just off to post sar tomorrow

may be asking for help in the future

We are sending off our letters together need a hand to hold

We are sick of being poor due to these charges

Welcome

The best thing to do while you're waiting for your statements is to keep reading and learning as much as you can about the various satges and process.

POst your progress and questions on this thread and you'll get plenty of help

Good luck

Well I heard an almighty thud from my letter box on Friday morning, I got 6 years worth of statements from the RBS.:o

I am almost afraid to look them over.

For the record, I have, sorry had a current account a key account and a large loan outstanding with the RBS. They have closed my key account, defaulted me on the loan. despite payments being made by loan insurance?? and closed my current account except for payments of 100 hundred pound overdraft and 500 pound charges. The loan insurance did not cover my overdraft.

I now need to find a highlighter and mark every charge I can find over the six year period

well i posted first letter requesting over 3000 back to bos last thursday .got letter today stating sorry to hear of my complaint and the fsa gives them 8 weeks to respond and if they are unable to respond fully to my concerns within the nxt 4 weeks they will write to update .Do I wait for this?

Nope. If you sent the letter (I presume you mean a prelim?) from this site, you quite clearly gave them 14 days. So get your second letter - an LBA - ready to send in 14 days. It is their attempt delaying the inexperienced.

You are calling the shots, not them and don't you forget it!!!

Well letter received from bos usual bumf offering as a gesture of goodwill 1510.00 my charges were over 3000.00 It says that this is a goodwill gesture and is in full and final settlement of your complaint against bank of scotland It also says i dont need to take any further action as the payment will be credited to my account within the next 14 days Can anyone help with my next steps please

Ps I forgot to say I hadnt actually sent the 2nd letter threating court action so do the letters decling offer still stand

You need to be quick here. Send a rejection letter from the library section stating that you DO NOT accept their offer and you insist that this payment is not made to your account. If you haven't sent off the LBA, then get that out a couple of days later....

Thanks for that I looked at the template letters but they say that ive already threatened court action do i just take that part out ? My other Question I hope someone can help with is because my amount is 3000 and i live in scotland (cant afford a solicitor) how do i go about using an english address( Ihave several i can use) do i just put that address on letter i send to bank Have read so much on here my heads addled lol

Right.....not the best time to tell us that!

Being in scotland changes things a lot.

I'm not really in a position to advise on this, hopefully one of the useful scots that are lurking at the moment will be able to help.

As for the letter, simply amend it to sound appropriate to your position.

thanks t4ff still looking for the answer re english address anyone out there can help?