Thanks for that Seaside Lady! Will keep you updated.

Hi everyone. Sent of my request for statements. 40 days run out 02 April. Have received a letter stating that statements will be sent to me within 21 days. Should I wait or continue with my deadline and not theirs?

Just to let you know, RBOS paid up in full and were very pleasant about it.

Sorry I've not responded earlier. Been working hard!! Just to let you know that I telephoned RBOS and they have sent me letter saying they are paying my claim in full. Have now drafted S.A.R. letters for other cards etc. Onwards and upwards now!!

Hi. Received reply from Bank today. Original letter sent on 28 January 07 requesting return of £3 826.64 for personal account and £3 734.74 for joint account. They have offered me by payment into each account sums of £3092 and £2814.21 respectively. Not admitting liability etc, goodwill gesture etc. Can I request a cheque from them rather than direct payment into account?

I'm sorry. On nights and not been to bed yet. Also not great with computers. X

Hi again. I received 2 letters from RBOS today in reply to my letter sent on 28 Jan 07. I requested return of £3 826.64 to my personal account for charges - did not include compound interest as I hadn't a clue what this was- and sum of £3,734.74 to joint account with ex. They have offered me £3092 for personal account and £2814.21 to joint account. Quick response! Can I ask them to pay by cheque or do they have the right to put that back into my account?

Mrs Joan Mc Gillivray, Senior Business Associate, RBOS, 100 West George Street, Glasgow G2 1 PP

Hi, everyone. Sent of my initial letter to bank at start of week. Have received 1st reply back within 2 days saying they are currently investigating my claim. Have given them 28 days to return all charges. So it's just a waiting game. Will keep in touch with any developments but am looking forward to the challenge.

Hello again. Don't mean to be stupid but how do I post a thread? Also RBOS have got back in touch with me " Mrs Joan Mc Gillivary, Senior Business Associate" has written that they will get back to me in due course. Have given them a time limit of 28 days, in initial letter, in which to respond, so will wait and see. They have replied to this letter in 2 days!

Hi. Am new to this site but am really enjoying reading the RBOS threads. Have sent of initial letter to bank requesting refund of bank charges for the past 6 years. Was lucky enough to still have all my statements. So will keep touching base as and when they communicate with me.