Just wanted firstly to thank all the posters for their help.

I decided to try to reclaim bank charges, and followed the templates on this site for calculating interest and how to phrase the letters etc.

I sent the first letter, asking RBoS to refund £389 plus interest.

After the allotted time expired with no response, I sent another letter giving them one more chance, and informing them of my disappointment at receiving no reply, and assuring them I would have no hesitation in taking them all the road!

Again, no response. I rang my branch to tell them I was preparing my LBA, as I had sent 2 letters by Recorded Delivery, and both had been ignored.The girl informed me on the Friday 9th March, that RBoS had posted me a letter, which I should recieve by Monday 12th March.

When no letter appeared, I rang the branch again. They rang Customer Relations, and were told that the info given on 9th March re a letter being posted was wrong, and the only letter I should have received was posted on 28th Feb, telling me that RBoS had no intention of refunding any charges to me!

I told the girl at my branch that I had not received this letter, and asked would she ring Customer Relations and ask them to re-send it, so I had a copy , for my records.

I got in from work yesterday, and a letter from RBoS was waiting for me. I assumed it was a copy of my knock-back letter.

It was, in fact, an offer to pay me the full £389.

Weird, but Im not complaining. I have returned the acceptance slip, and am looking forward to my refund.

Again, many thanks to all who post advice on here, Im not a great writer, but I hope you get the jist of my story, and again, Thanks!!

Thank u for posting this info, i to have just sent of my first letter to the RBoS asking for a refund but yet have not had a reply, they have 7 days left but i will be ready and waiting to send my lba letter. I is just good to know that others still get results even when the RBoS cant be bothered to respond to your first request for refunds. Thank you.