Hi superward, Sounds like we are both at about the same stage, I sent my prelim letter local brach registered post on 8th March ( but some others say send direct to Edinburgh) up to you really.Like you I didnt realise how much I had paid them over the last 5 years until I added it up (couldnt believe it was £3375 without any interest added. I will follow your thread see how you are getting on.

Nice one Westy. WELL DONE im encouraged by your news. Hope I can report the same soon. PS dont spent it all at once !!!

To add to previous I have claimed the basic ie charges for Unpaid items, referral charges and card misuses. I not mentioned interest charges in the schedule and deleted the interest amount reference in the template letter. So now its a case of wait and see, but I will update on the progress as it happens.

Well here we go PRL sent off today registered mail, expect to get the Thank you but get lost reply but who knows !!. Have LBA all ready for when the 14 days are up.

Thanks T4FF your wisdom is much appreciated I will update on progress. In the terms 14 days I assume this is Mon to Mon and not Bank working days ie Mon to Sat.

Advice please !!! I sent my SAR with tenner to my branch on Monday 5th but have since found all my statements compiled a schedule of charges (using template) and PRL. Should I wait for bank to reply to SAR or send the PRL off now before they reply to SAR. ANy suggestions would be welcome.

Hi- New to this but Mon 5th sent off request for details of charges with tenner. Since then I have found all my bank statements at home and compiled a schedule of charges. Should I wait on the banks reply or just send in Prelim letter NOW. Also any advice on whether I send it recorded to local branch or to Head Office. any replies would be appreciated. Thanks.

Hi im just starting out claiming £3375 from the RBOS in charges from 2002-2007. Because of the difference in Scottish Proceedure ie £750 limit. Should my first claim to the bank be for refund be of the full amount ?

If it goes all the way to court action will I have to make separate claims for each £750 up to the full amount.