Just issued a claim via Moneyclaim.com against the Halifax Plc for £854.40 and now I'm starting my quest to have £577.55 of illegal charges reimbursed from the RBS.

I have prepared my Preliminary Letter and will be sending it off first thing tomorrow morning (recorded delivery) to the RBoS Senior Customer Relations Manager, FREEPOST, P.O.Box 1727, Edinburgh, EH12 9JN.

I'll keep you informed.

Steve.

Steve,

any reason whay you are going straight to Edinboro and not via your Branch? I would suggest that you will get the standard Fig Off letters from them without consideration. Maybe going through your Branch, may be a little more long winded but you will be allocated a case number more quickly and may be offered an early goodwill gesture to bouy up your claim.

Worth a quick think I would suggest, also it gives you reason to begine MCOL proceedings against an English address (MCOL not relevant North of Border!!).

BC:p

Thanks BigCol,

Wasn't aware of the Moneyclaim issue. I'll send the Prelim to my local branch as suggested.

Regards,

Steve

Steve,

if you can get a name at the Branch (probably the asst Manager) who is dealing with your requests, then you will get swifter responses, provided they reply in the first place of course. They will escalate your case to Head Office as required, but deal locally if you can. You may then be able to hand deliver your letters and get a delivery receipt and have the wonderful feeling of seeing the look on the Bank Staffs faces when they read your request. But please remember that the Staff are human also, so keep it real and don't take your frustrations out on them. Use the CAG for that!!! Ha HA! I found that the Staff can be sympathetic to your cause, they may not be able to do much about it as they now seem hamstrung by red tape, but if you are not claiming serious amounts, then they may broker a deal with you at their level.

Oh, I used the Branch fax machine as well to ensure delivery (my Branch is 100 miles away from my home) and a follow-up "have you got it?" phonecall.

Bon Chance Rodders!

BC:p

Thanks BC.

I've just posted my Prelim via recorded delivery (didn't want to make any personal appearances at the branch as I get on quite well with the staff there - I'll leave those 'til later, depending on the response I get).

The only grief I have about the RBS are the charges they apply (obviously!). Other than that I quite like the RBS and the staff that work in my branch. I've been keeping my accounts pretty much up to date over the last 12 months and if I do occassionally fall by the wayside they tend to phone me up at work to let me know. As long as I submit some money to the account to cover the debit by 3pm that day, I'm not subjected to any charges.

Not every bank operates like that, so I'll be sorry to have the account closed if my claim is successful.

Regards,

Steve.

I received a reply from my local RBS branch manager today informing me that he has ordered duplicate statements for my account dating back to December 2000 in order to investigate the matter fully. He has promised to contact me again on or before Thursday 21st September, either with a full response, or to let me know what progress he has made.

My LBA should be arriving on his desk at the same time!

BLOODY CHEEKY SWINE!

Re. My last post.

Not only did my local branch manager order duplicate statements (for his benefit, not mine!), I looked at my account on-line today to see that the 'so and so' has applied a £5.00 charge to my account for the privilege!!

I phoned up the branch to tell them I was very annoyed about this and would not pay it, and was told to write to him personally!

One very strongly worded letter coming up.....!

Steve.

Following on from my last post, RBS reversed the charge that was applied to my account for the duplicate statements the very next day. I didn't need to write that letter.

Today, I received a letter from the local branch manager to say, in short, that they deemed the charges as fair and they will not be refunding any of the charges applied to my account.

My LBA will be on it's merry way to him tomorrow. That'll be a nice start to his week on Monday!

Steve,

sounds like the standard letter, you will be passed on to Tommy Mclean soon for another preprinted letter. I'd start getting your ducks in line for the MCOL if I were you. You can start the MCOL and save it ready to go back to and just press the GO! button as your deadline passes!!

BC

Thanks BigCol.

Steve,

 

sounds like the standard letter, you will be passed on to Tommy Mclean soon for another preprinted letter.......

BC

Well, I have not had a letter from Tommy Mclean, or from anyone else for that matter, in response to my LBA. So, the next step is MCOL.

Question. I previously sent my Preliminary Letter and LBA to my local branch manager. Who should I address the MCOL to? My branch manager or id there a head office address?

Thanks.

Easiest way is to address it to the Branch, that way it stays in England and they can't try and delay any more than they normally do!!

BC:p

Thanks BC,

I submitted the claim on 4th October before I read your response to my previous post. I addressed it to the Litigation Group at 1 Princes Street, London.

It was acknowledged by RBS on 10th October.

Regards,

Steve