Hi folks, have read several of the posts on here with great interest, and has pushed me to do something regarding the charges i have from the RBOS,

i have already sent of a copy of the first letter to the bank on my business account they have charges me around £2690 odd pounds and on my personel account they have charged me around 770 pounds, exact sums i cannot remember right now, also they have closed my personel account and kept the money that was in it, which was not a lot anyway.

i have recieved a reply back from them, most of the letters i have sent them regarding these accounts have been ignored until i came across this site.

The letter firstly apologises for any dissatisfaction or upset caused.

then goes on to suggest that i get back in touch with joyce kerr, asking me to get back in touch with her and saying they will liase with her to ensure the charges applied in the past are re investigated.

turning to my personel account they are afraid they cannot now see the history of the account due to its closure. They now need me to go to my branch and order copies, advising their will be a charge for this, but will be refunded with any refunds agreed, asking me to give them time to look at these charges in a favourable light.

Also does anyone know why it cost £125 pounds to arrange an overdraft on a business account and a £100 on a personal account, what is the difference, and can these charges be claimed back

any help or advice to what i do from here is much appricated,

do i ignore this letter and just continue on to sent them the letter before action to them

You won't be able to claim back OD arrangement fees - the amount they charge for this service is the amount they can get away with, and they feel they can get more out of business customers.

Send a single Data Protection Act letter for all (non-business) accounts in your name, with a single fee to get all your statements from all accounts.

Start a thread in the RBS forum for best advice.

thank you for the advice, have asked for them will keep you posted on my progress

have recieved a letter from the bank this morning, usual one sorry your not happy, but nothing they can add constructively to past correspondence, but wish to resolve matters with me, against the background and as a goodwill gesture without admission of error or liability they are offering the sum of £2551 in a full and final settlement of my complaint,

the charges i have asked back is unpaid d/d, referral charges, service charges, and interest charges for both my business account and my own account which totals 4387.16.

can i claim all these charges back, and what would be your advice do i accept their offer or press ahead, as i am more than happy to go to court, thanks again

First let me say what a great site this is and all the information and support it offers to everyone, without this i would not have got very far without the advice from everyone.

I have followed their advice so far up till the lba and have recieved a reply back from the bank, between my busness and own account with unpaid d/d chq charges, service charges, referral charges and overdrawn interest charges it comes to a total of £4387.16 this also includes me adding on a 8% interest, i have recieved a reply the usual sorry your not happy, nothing they can add constructively to past correspondence, wishing to resolve matters with me and against the background and as a goodwill gesture without admission of error or liability are offering me £2551 in full and settlement of my account.

Anyone have any advice if i should just accept this or press on further for the full amount, as i am quite happy to go to court over it,

many thanks for any advice

Hi, just send the following letter template,

[Address] [Date]

Response to settlement offer

Ref: [Their reference number]

Account No:

Dear Sir/Madam,

Thank you for your letter dated xx/xx/xxxx.

I respectfully decline your offer of settlement and request that you refund to me all charges that have been taken from my account now totaling £xxxx.xx

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder in the County Court if necessary.

I trust this clarifies my position.

Your’s faithfully,

[signature]

[Print Name]

a total of £4387.16 this also includes me adding on a 8% interest

It depends how much your claim is before interest though - you can't claim that before the Money Claim stage. If the bank are offering you the full amount, not including the interest, before you have actually lodged a court claim, I'm fairly certain you have to accept it. I know I've read that somewhere on here, but can't find it again for love nor money!

update on my claim,

this morning when i got up, letter in from the bank, reconsidering my claim and have now offered me the full amount of £4387.16 back wahey,

can now pay off the overdraft and with whats left, have a treat and send a donation to this site

well happy days, letter this morning from the bank, reconsidering their offer and now have offered full settlement of my claim, wahey

can now pay the overdraft off, treat myself and make a donation to the site,

thank you for all the advice without i would still be struggling

WOOHOO!! Nice one... seems like RBS are settling things a lot quicker now! Good for you, well done (I just pray that mine and everyone elses claim goes as smoothly)

Yeah I read another similar thread (cant remember which one). Hopefully this is a change of tact by RBOS?????

Well done mate

cheers folks, was a nice start to my day, just have to wait for my settlement to arrive, posted the acceptance this morning,

hope yours goes as well and you have a result soon, is a good feeling, and hope you find out soon, now to take on the rest of them lol

good luck and keep the fight going

Fantastic news, well done!!!!!

Well done, I am very new to this website and some of the terminology is throwing me!

Can you let me know where on this website I would find a step by step guide to starting out? I have been through all my statements and it is well over £1000!

It gives me confidence reading all your notes and success stories!!

Well done!

Alison

once you find your way around the site it is a lot easier, your better of starting in the faq section first that will give you a better idea,then read some of the threads posted by others,

depending who you bank with their is seperate sections for this, where you can post your thread and get advice, as for the letters to send you will find them in the forums section, and your spreadsheets will be in their also, i sat down one night and just explored the site, it threw me for a while, but its not as hard as it all sounds, or click on the site map at the top of your page, you will find everything their also, or click on the consumer action, where your online name appears at the top of this page,

if you have all your statements from the last 6 years, then you want have to send a data protection letter in, you can then move on to the next letter and spreadsheets, and they can be found in the consumer action section,

some find it harder than others, once you start its not as all bad or hard as it sounds, i might of been lucky, but go for it, always plenty on here to give you advice, if your stuck let us know if i can help i will