I sent my first claim letter (registered post) with a schedule of charges to the RBS on the 8th February, giving them the 14 days to reply. Is this working days or just 14 consecutive days? If it's 14 working days (Mon-Fri) then they have until the 28th of February, if not then they have well overshot the mark.

The letter was sent to -

RBOS senior Customer Relations Manager

Freepost PO box 1727

Edinburgh EH12 9JN

Should I proceed with sending off the second letter and include the schedule of charges again?

Meant to add...I currently am dealing with a DMC (Baines & Ernest) and the RBS are not accepting the ammount we can offer them to repay my loan. I was made unemployed in August 2007 for health reasons (going to the appeal on the 2nd March). I'm wondering if the RBS are refusing the ammount we are offering and hand the account over to their debt recovery service, will this mean that when I get my bank charges back they will just take it and put it towards the loan?

Reason being I want to pay off more urgent debts with this and get my life back to normal, which is why I went to a DMC in the first place. I've also started a claim against LloydsTSB and will be using that money to clear off a small loan with them.

Welcome jack

It's 14 days from the date you sent the letter. If they haven't responded, send the LBA letter and again give them 14 days to respond. If they've exceeded their time, fill in an N1.

Regarding your other question, there is a thread running within the RBS forum regarding refunding within an overdraft. I think the consensus is that they tend to credit your account when they settle thus gobbling the money but someone may have challenged that by now. Good luck!

Thanks 'marcelle', that's the LBA letter & and the SOC ready for posting today.

Ensure that you state you want the charges repaid as a cheque and not credited to any account.

Hey Jack

Just reading through some othe threads re. your cheque query, and as lively lad says as long as you request one, they should comply. However, I initially did this on my claim but they still credited my account - i wasn't bothered actually as I don't have an overdraft. You will have to keep stipulating that you request a cheque as I think they prefer to do the obvious. Good Luck!

Ok folks the second letter I sent has once again been completely ignored by the person in the address below. Both letters were sent recorded delivery, I know they got them...what's the best way to approach this because I can't believe how ignorant the RBS are. They're quick enough when taking cash off you.

RBOS senior Customer Relations Manager

Freepost PO box 1727

Edinburgh EH12 9JN

I have sent in a complaint online to the "Service Quality Department" advising them I have not had any replies and how disgusted I am with the level of service provided. This is in the hope that it get's the ball rolling before taking stronger action.

I've had no reply to my Prelim or LBA.

14 days for the latter runs out tomorrow, I'll be filling in an N1 form over the weekend and filing at court next Monday.

I've been offered £688.16, £100 short of what I asked for. They also are refusing to offer me the cash in the form of a cheque or to transfer the cash to another account. My account has been frozen because I am paying their loan back through a debt managment service, who pay my loan at a lesser ammount for me, so they will take the cash and put it straight towards the debt.

This would not normally be a problem, but I'm moving house on the 4th April, plus I am unemployed and this money would have helped me get the house in order.

Seeing as there's no way to get the money to another account, I'm going to refuse the £688.16 and get the extra owed; if it's going to be put towards my loan I might as well get the full lot.

What letter should I send the bank now? Do I need to send one that states I accept this payment of £688.16 as part payment of the £773.16.

Just wanted to point out that they never replied too both letters within the two 14 day periods. I had to email & send a letter of complaint to the bank that he 'RBOS senior Customer Relations Manager' had not replied to my registered two letters. Even then they asked me if I had the letter receipts when I spoke to them on the phone. The offer letter only came in this morning because of two separate complaints I had made, it's short of £100+, I did not ask for any interest payments, they will not pay me by cheque or transfer the cash to another bank. I'm currently unemployed and receiving job seekers allowance, this goes into a different bank.

PS

The letter they sent states that as a gesture of goodwill and without accepting any responsibility, they are willing to pay me £688.16 and to sign the letter accepting this ammount (which I am not going to do). I have 8 weeks to reply or they will close the complaint.