Ok so hubby and I are both pursuing claims against several credit cards, but I knew the biggy was always our current account. I was going to leave them till last but I had been corresponding over some recent charges with them, some being refunded some not. getting sick of their messing around I decided to get all the statements out and work out what they have charged us. I was shocked, even with some refunds over the years (when we have queried the application of charges for various reasons eg, we had phoned up and arranged an od, paid cash in a different branch,were assured a cheque was going to clear into the account by a certain date etc) they have charged us around £4000!

I therefore wrote a prelim with this figure and went away for a couple of weeks to see realitives in scotland. Came back to a very snotty "bog off" letter which I expected. However we also got a phonecall from a very nasty women at rbos. Unfortunately whilst we were away we had gone overdrawn. This was agravated by the charges (of course!) and we were £286 od. Now given that we have around £2k and up going thro the acc each month you wouldn't have thought this was a big deal.

I explained the amount would clear on my payday at the end of the month ie next week, we wouldn't attempt to put anything else through the account and no further dds are due till sept. She stated as one of the charges was for "card misuse" on a cheque (a miscalculation on hols not deliberate) they were demanding the return of our switch cards and cheque books. Luckily we already have a parachute account for the future, but this was still a shock.

All round she was very nasty and told me it was a criminal offense to write cheques "knowing the cash isn't in the account". I asked if any of their action was due to my request re the charges. She seemed unfazed by my question and knew "all about THESE requests by customers. She just stated repeatedly it was a side issue and made a sarky comment about me being "the one person in the uk who takes this to the high court and wins" when I pointed out it would be in county court and was a civil matter she snapped back "i understand the law just make sure the cards and books are ret staright away goodbye!"

Stupid cow. Upset me a little bit at first but then I just had to laugh at her. Just getting ready to do an lba.

grr stupid rbos

ali

Go get em !!!

On what grounds are they insisting on the return of the cards and chequebook?

This sounds unduly harsh.

They did it to me, for being overdrawn. I think it is when you mention about reclaiming charges etc....

They get scared !!!

card misuse from what they said. Like alot on here we have had problems on and off but we are mostly ok now with our account, and we don't have a overdraft at all now. I suppose they can use any excuse they like as long as its in the t &c.

ali

I don't dispute it, but I wonder on what grounds they have asked for the return of your cards and chequebook. Have they quoted a reason?

You don't have an overdraft, yet they want your cards back. Have they mentioned closing your account?

Perhaps this is a new tactic and I have this to come.

I had a premier account with them, this had a £1000 overdraft limit, due to me being off work for over a year the overdraft hovered around the £200 mark. My account got moved to Credit Management services without me knowing. I got a very snotty phone call telling me that I had been misusing my account and they were closing it. I tried explaining that I had a premier account and that I had a £1000 overdraft so was not breaking any agreement, this did not matter, they closed my account. I am now having great problems in getting even a basic account. Oh yeah claiming £735 on old business account and £4025 on my "closed" account. Just my rant at the RBoS.

I got the letter saying return my card and chequebook, called the telford office and said my balance would clear within a few days.. musta been my sexy accent because the operater (who I think was an 18 year old boy) said, oh thats ok just bin that letter then... Weird..

We have had confirmation from RBOS that our cards and chequebooks are to be returned by the end of the month, as they stated over the phone. Our account is back in the black but they still say they want the cards/books back to "help you avoid further charges". They will issue us with cash cards only and we can still have dds etc pon the account. They have not mentioned account closure (as yet lol), but we have another account already up and running. Because of the extra charges from when we were on holiday I did a revised prelim letter, no reply as yet and 14days expired yesterday. Gonna wait till after the bhol and do an lba. From the other threads on here I expect to go to court action with this, so maybe they will close the account then who knows lol.

alibobs

I have been in correspondance with RBOS over some recent charges and got some refunded, but decided enough was enough I want to reclaim all the charges made. Went through 6 years of statements and found a total of £5385 over the 6 years up to August 06, also over the same 6 years because we have sometimes queried the application of charges(for example after paying in cash and being assured no charges would be applied and then they were etc.) there were some refunds these totalled £1052. This left £4333. I sent a list of all the charges and refunds month by month, type by type to RBOS with a prelim letter for the £4333. I was due to do an LBA now,but got a letter today offering £2462. Very tempted as with 2 small kids and a tight budget could do with the cash, but want to get the lot if I can lol. Just wondering if anyone who has claimed against RBOS could give me an idea of what time scale it took for them to get a full refund 2 months?/3 or more?

If i write back accepting the £2462 as a partial payment do they do like CAPONE and actually pay it to you or do they withdraw their offer. If you see my other RBOS thread you can see we have already had our chequebooks and cheque cards taken off us (just after my prelim landed what a shock lol) so suspect will have to wait a fair while to get any dosh from them. Thanks for your help in advance guys

ali

Hi ali

I sent off my prelim letter in May and received cheque for full amount on Saturday, so I'd say approx 3 months.

They usually withdraw the interim offer, but for the sake of an extra £2000 its worth waiting the extra 8 weeks.

Stacy x

Thanks for that Stacy just getting LBA ready to go, so with a bit of luck might get money for xmas. If not it will be very welcome in Jan.

ali

In shock here, was expecting long battle against RBOS. Sent off my LBA and was expecting to issue money claim this week. Got a letter on Sat offering full settlement!!!!!!!!!!!!!!!!!!!!!!

All usual guff about being a goodwill gesture etc.

Will await the actual payment before I can believe it. Is this the new tactic, have they decided its costing too much to pay the solicitors when they are just going to cough up later anyway?

Ours wasn't exactly a small claim (just under £5k). Gonna be a good christmas here. Thankyou so much to the moderators and everyone else on here, the info and experiences you have all posted gave me the guts to start this. Will send another donation when Tommy coughs up

Well Don you!

Fantastic, well done!.

Here's hoping RBOS have had a change in MO, this gives me a bit more hope of an earlier settlement.

Congratulations.:grin: :grin: :grin:

J

I hope so too Weej, good luck with your claim.

ali

finally got the dosh this week hurrah!

thanks to everone here, will send another donation shortly.

Good luck to ev1 alse who is chasing RBOS.

:D :D

ali

Well done Ali, fantastic news!!!!!

Stacy

finally got the dosh this week hurrah!

thanks to everone here, will send another donation shortly.

Good luck to ev1 alse who is chasing RBOS.

:D :D

ali

CONGRATULATIONS

Once again Cobbetts see sense..If not done so already please fill out the survey.

well done!!!

great to read success stories!!

x