Hello all, I have been very busy on behalf of the British Tax-payer and unable to keep up to date with CAG matters, glad people are still reading 'my story' though, all I can say is that whatever happens, keep cool and keep checking the latest on the CAG, ask if you don't understand and read as much as you can. It is so worth it in the end, just getting your money is great, but knowing that the Bank has listened to you (not just a number) is a great feeling. TTFN BC:cool:

Louise, I agree with LL, it's a very emotive addition that won't actually gain you anything. The facts of the matter are that thee Banks are in the wrong and you are using the legal service to enable you to recoup your charges. Try and remain aloof, you have the high ground and you don't need to get yourself worked up and angry unecessarily. LoL BC:cool:

Jo, just PM'd you, but like Willow says, STICK TO IT! Until they cough up, they are in the wrong, it is your money and how great would it make Christmas for you to have it all back? BC:cool: (BC is back from afar!)xx

Blue, finally I get to say... Congratulations!! BC xXx:cool:

Oo-er, now you've got me. I pointed out this interest from the outset. Maybe I got it wrong, "in my day" we didn't look that hard at the contractual interest. Doh! I've got myself confused now...... Sorry, going back under my stone now.... BC:cool:

Alison, you add the 8% at LBA stage (it's mentioned in the letter template). Don't forget to send a copy of the schedule with your letters. BC:cool:

T4FF, certainly sounds like you mean business. Keep holding out, there's a big glut of claims being paid out at the mo and I just hope yours is in the pile somewhere. BC:cool:

Alison, I used the very basic spreadsheet and just applied the 8% interest, I couldn't be banjaxed with working out all the hard sums. Too much effort for this poor bear. At the end of the day, you have to work out what you want to end up with, for me the 8% was enough to help clear my overdraft and no mistake. Bang the figures in and see what the answer is, if you like it, go for that. If that's not enough then you have to read through Vampiress' google spreadsheet (needs a good while and a very clear head mind). Sup to you!! BC:cool:

Cheers guys, what can I say, but I am sooo chuffed! BC:cool:

YEAH !! DH is a winner!! Yet ANOTHER case against the RBS has closed in favour of US!!! BC:cool:

I said, MANGE TOUT!! BC:smile:

Many thanks for all the goodwill messages, I know you guys mean goodwill in the good ole fashion sense!! Col's Caff may close in it's true form, but I will not be casting aside this forum, I will be here waiting, watching and acting on your behalfs... If you call, I will come!! BC:cool: MANGE TOUT!!

Stuart, a lovely cheque hit my doormat yesterday morning!! BC:lol:

Cheers Everyone! If you're reading this and still thinking about it, don't! Just get on and do it. The sooner you start the ball rolling the sooner you'll feel as good as we all do!! BC:cool: It's just a shame that Col's Caff will have to close, I'd got some great plans for expansion: the Cobblers Bar, special 50% deals, mispelt specials and threatening looking prices; the Mclean Room, all fur coat and no knickers, leather look pvc sofas that really are not comfortable and coffee that leaves a sweet taste in your mouth! Ho hum...... Mange Tout!! BC:cool:

Oh Willow, you are so right. My family have been waiting for my results, they can now smell the blood.... Bring it on..... BC:cool:

Well everyone, I have some good news and some bad news. The good news is that: I have WON!!! That's right, Cobblers have sent me a cheque this morning for £3.7k!!! All I need to do is check that is right (Doh! - left my spreadsheet at work!!). No doubt the RBS will still concoct some charges on my account this month, but I'm sure that they can be sorted out, at least I know what to do now!! All I can say is that this is the best thing I have ever done for myself. Without the help and guidance from this Site I would have been looking down the proverbial barrel of a loaded gun. It may seem that I have had a tortuous route, but it hasn't been that bad. The standard letters, spreadsheets and advice have worked. If Cobblers took a better attitude to their Client's money (and I do mean the RBS and not my money), this would have been solved a lot quicker and not have cost an extra £500. Don't just sit there thinking about it, DO IT:cool: !! BC:cool:

Nah, not any more..... Cos ..... I've won tooooooo!!! That's right, a cheque from Cobblers arrived this am for £3K!! Just need to check that the amount covers everything and ensure that the Bank doesn't charge me any more this month, that would just be stupidity on their part, so I am entirely expecting it!!!! Cheers to everyone for the advice, councel and guidance. It has sooo been worth it!! BC:cool:

Willow, what can I say but...... CONGRATULATIONS!!!!! Although I must admit that I'm not jealous. Not anymore...... BC:cool:

WIll be after my hour long trek up the A1 to sunny Lincolnshire/Notts border and a chilled pint of Hobgoblin.....you'll find me tucked away on the label just behind a picture of a solicitor! BC:cool:

Willow, is that a picture of Cobblers' Staff motivational techniques, if you fall asleep you garotte yourself, or, you do it before you get pushed?? Young lady looks like she's grinning and bearing it!! BC:cool:

Martin, I think you're holding on too tight oh wise and consular sage-like one....Evil is not behind every door, just the ones that you, DH and I seem to open. Unfortunately Willow seems to follow straight in on our heels. Once more into the valley of death.......Et tu Cobblers? BC:cool:

And relax...... BC:cool: xxXXxx

Willow! Good air in...bad air out.....good air....oh borroxs. Bring it on Cobblers, Bobblers or what ever, makes me ashamed to think about my hometown. You're finishing off what the IRA started! BC:mad:

Stewart, I can't believe it, wll I can actually, I'm starting to think that RBS are doing this alphabetically and DH and I have got to wait until we go past 'A' again?? But seriously, Well Done YOU!!! Yeah!! BC:cool:

Willow, sounds like you're on a mission sweetie! Go get 'em!! BC:cool: