Hello people,

Ive spent the last couple of days reading stuff on here, found it very inspiring but also confusing. I seem to be going round in circles trying to find templates of letters etc.

Do I buy the package for this?

Is there a standard letter for asking for all bank charges to date?

Sorry to sound an idiot but once I grasp it things will be ok

This should have everything you require.

__________________

If I've been help to you, click on my scales and add to my rep!

__________________

Stuck with RBS charges?

Click here!!

Settled

RBS Current Account1 £2794

RBS Current Account2 £503

HBOS Credit Card £498

Still to Settle

Barclaycard Est£180

I noticed on SAR letter ther is a 40 day reply option , is this the norm

Yes the statutory timescale to comply with an Access request form is 40 days.

Is SAR letter addressed to my local branch?

Personally, I sent it to the "write here if you have something to complain about" address.

Customer Relations Manager

The Royal Bank of Scotland plc

Freepost

PO Box 1727

Edinburgh

EH12 9JN

You can refer to my claim for guidance if you like T4FF vs RBS

hello T4ff,

Thanks for responding so far, Ive spent a long time on here and things are beginning to come clearer. Its hard to believe that I may actually get something back from the bank. Lets see.

On the SAR do i ask for past 6 years or just send letter as it is word for word?

does any one know if Royal bank of scotland refuse to pay interest but will pay the charges back?

hello T4ff,

Thanks for responding so far, Ive spent a long time on here and things are beginning to come clearer. Its hard to believe that I may actually get something back from the bank. Lets see.

On the S.A.R - (Subject Access Request) do i ask for past 6 years or just send letter as it is word for word?

Just send the letter as it reads, as above the guide should explain it all to you. If you read it thoroughly it should answer a lot of your questions!

does any one know if Royal bank of scotland refuse to pay interest but will pay the charges back?

I claimed and received interest.....

I'm guessing by what I've read on here that it depends on whether it goes to court or not. You're not allowed to ask for interest at the start, but if it goes to court, you may be allowed that as part of the settlement when the case is found in your favour.

I'm in the horrible position of knowing my statements are at home, but I can't start adding up my charges until mid feb as I'm on the other side of the pond right now. FRUSTRATING!!! :-|

Seahorse

Well that really does depend on what interest he is referring to........

If it is OVERDRAFT interest (or contractual interest I think, but not sure), then this is claimed at prelim stage. The 8% statutory interest is added at court stage as you say.

There is a difference

Apples, I would advise you start your own thread Apples vs RBS and ask your questions there. Scuse the hijack beardy....