Hello - I've won and updated my thread - could a moderator move me over to the successful thread please??

Well I've won. Haven't been keeping this thread updated so here goes with the full timeline: Request for statements: 26/03/07 Request for refund: 14/04/07 LBA: 14/05/07 Offer of full and final payment received: 21/06/07 I decided to wait after the LBA rather than push on with the claim after 14 days because I knew from reading other posts on here that RBS seemed to be taking 6/7 weeks to get round to a case but would then offer. Personally I preferred the wait to the hassle of dealing with their solicitors etc. even if in the end I still got the money plus some interest. Only other thing probably worth mentioning is that I did use the template letters on here as a starting point, but altered and simplified them to be more in my own style. Thank you CAG for your help - in the end it was relatively straightforward, but I know if I had needed to take things further you would have been there to help me!

Superward: I've got an Egg card too - here's hoping they don't do the same to me. It makes me so cross. Raising rates so drastically makes it harder for people to pay and even more likely they'll default. What these companies are really doing of course is squeezing as much money as they can out of people who probably haven't the means to pay off their outstanding balance and tell them where to go (like me!).

We've been with RBOS for years (account/credit card/mortgage/loan) and have accepted charges as the occasional downside of having a reasonable income but being a bit careless with our money. However today the worm has turned! My credit card has been just over the limit the last 3 months when interest has been added (this time by less than £5 and that only because of the £12 charge for the previous month's sin) and today I've received a letter hiking my interest rate to 24%. I'm furious but of course can't afford to pay off the balance and close the account. Apparently the companies are doing this to claw back the money they're losing in reduced/reclaimed charges ... so I may as well claim my share!!! I'm about to send the letter asking for statements for my bank account. Is it possible to claim for credit card charges too? Great website by the way. An hour ago I was like this: ,but now I feel I can do something positive I'm getting back to: "Statements requested" letter posted: 26/03/07 Statements received: 12/04/07