Hey everybody,

I've just printed out my first letter asking for all my charges in the past six years. I've just left the airforce and I can say right now that my money management wasn't the best. I was regularly overdrawn and when out of the country lots of charges were accrued. (£135) in three days at one point last year. I'll keep you all updated as to what I'm owe and how things go. Wish me luck.

This site has made me feel like I think everyone should feel. The banks are there to help us, not the other way around. It's our money, we've worked hard for it so what gives them the right to grossly overcharge what is often a minor misjudgement or error.

Lets get at them.

Hi golfmaniac and welcome.

Best of luck!

Posted my letter asking for a list of charges today. So am I right in thinking I should have them in my hand my 1st of April at the latest? I'm dreading taking them on but i'm encouraged by how much success other people have had!

Just wiondering. What's the quickest anyone's had their money refunded? And Has anyone ever been offered the full amount before going to court? I don't know if I could cope with that. that puts the fear right up me!

Hi Golfmaniac

I wouldn't start spending the money just yet. I posted my SAR 18 days ago, and have yet to even get my statements. I gather RBoS is snowed under with claims, so you may have a long wait. The good thing is it gives you loads of time to research your next steps, including court, if it comes to that. Don't worry too much though there are loads of very clever people here to help you, and we are all going through this together.

Cheers fella. I'm about to go on my training copurse for my ne job you see so I'll have to make sure everything's done in time and on time with that. I'll be going offshore as well every two weeks so I'll have to be careful with my timings

It seems to be getting longer before settlement on the larger claims. Think that's purely due to volumes going for it now. Try not to worry about the court thing, there is so much help on here. With my particular case it appeared that as soon as I got a court date (30th May) Cobbetts paid straight up in full. Their letter stating that "Although our client maintains its position as stated in these letters, and is confident that it will be successful at a final hearing, its legal fees will almost certainly outweigh the value of the claim".. so they paid me 3k... so keep going... keep to your timescales and you'll be fine!... Good Luck!

Hiya, just wasnted to head you to my thread for some encoragement. I claimed back 5044.00, and fof the top of my head, I think that the whole of my claim took just over a month:eek:. Good luck with your training.

Michelle

Got my SAR back on friday. Gona go thru it today and add it all up. I take it i then send my initial letter back asking for the money?what's the timescale on that? and should I send it to my local branch or the head office in edinburgh?

send it to

Customer Relations Manager

The Royal Bank of Scotland plc

Freepost

PO Box 1727

Edinburgh

EH12 9JN

remember to send it recorded delivery - you give them 14 daqys to respond (they probably won't) then you send the Letter Before Action.

Hi, just a thought, I don't think you can send Recorded or Special delivery to a PO box as no one there to sign for it, I may be wrong though!

All mine went to:

Customer Relations Unit

Retail Support

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

Hope that helps!

SM:p

Send to the registered office yes.

Po.Box is fine......It is the serving of court docs thats a prob for a PO Box in Particular online HMCS.

If in doubt check the latest contact details which are shown at the header in every bank group.

The main concerns should be what lies ahead......Cobbetts but there is more than enough info here to deal with that !!

Hi

I wrote a polite letter to my bank (RBS) on the 2nd of March.

there are 2 accounts involved, one of which we've been charged £334 and the other £7400!! (had two very bad years).

I received the usual letters 14 days later - "our charges are fair and transparent etc..... I was getting really worried until I turned to page two of these letters - "as a gesture of goodwill and without admission of wrong doing we are prepared to make you an offer of £...... in full and final settlement of your claim".

I am over the moon to say the least. They have offered us EVERY PENNY back!

I'm presuming this is becuase we've banked with them for over 20 years, I have to say I was so worried they may close our account but it's all been very polite, and extremely quick. I jsut hope they're as quick putting the moneys back into my account as I've spent it already! lol

Holly

Wow! That's an amazing result considering the amounts. Congratulations. Don't forget to fill out the survey (at the top).