hi everyone,

just received my bundle of statements looked through them and what have i found,only 3 months worth of statements belonging to someone else.Should i phone them to let them know there mistake or just bin them.Anyways added up total of charges over 6 years and wow over £4000.Sending in my letter for request for repayment of charges so here goes!

Good luck. Maybe contact the person whose statements you are in possesion of and tell them what thier bank has done and point them in this direction:D

Good luck Paul, not that you'll need it! And keep your thread up to date so we can all follow your progress.

Stace xx

hi to everyone,received a reply from a Tommy Mclean,customer services manager.can anyone tell me if this a standard letter.

we believe that our charges are fair,reasonable and transparent.we consider that our amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff,wich we are satisfied,complies with all applicable laws and regulations.we are also committed to ensuring the transparancy of the information that we give to our customers about the operation of our products.

we have considered and responded to the office of fair tradings statement of 5th april 2006.we do not accept the office of fair tradings findings in relation to credit card fees.we are concerned that the office of fair trading has publicly called into question the setting of charges applied to other products.including current accounts.the office of fair trading has restricted its investigation to credit cards and made no attempt to consult with the RBS or the industry in relation to other,entirely different products.

consequently,against that background,we must differ with the views expressed in your letter and will not be refunding any of the charges applied to you bank account.

is this a new one,and should i move onto the next stage

thanks.

Total standard deceit. Off with your LBA!

hi,been away for a few weeks and in the mean time received a reply to my Lba,it was the exact same response to my prem approach,is this normal also i think i made a mistake in my Lba,i included interested charges, will this make a difference if i file a court claim,also one more thing,the letters i have been sending are to edingburgh what address can i put down on the moneyclaim site as i am in england

hi,been away for a few weeks and in the mean time received a reply to my Lba,it was the exact same response to my prem approach,is this normal also i think i made a mistake in my Lba,i included interested charges, will this make a difference if i file a court claim

No, not really - they've had enough time now. Time to litigate my friend!

can anyone give me advice on the claims procedure,what do i write in the "particulars of claim" on the moneyclaim website

Have a look in the bank temps library.

Paste the claims parics from there onto your online form.

Make sure you fill in the acc details.

Send the charges schedule by seperate cover by post.

hi everyone,can anyone help me,last time i had any correspondence from rbs was november,i havent filed a claim with money claim yet but was going to do so(hadnt the money to pay costs)in my letters to rbs i am claiming for six years from sept 2006,will i have to update this when i set of proccedings with money claim(ie:feb 2007)or will sept 2006 be ok