Well the RBS have sent me a letter saying that while the charges applied were not punitive and so perfectly legal, they are offering me a goodwill payment of £2600 - the entire sum I am claiming. Toyed with the idea of taking them to court anyway over the semantics, but that would just be daft. Happy days!

How do everyone? Just thought I'd start a little thread here to document how this malarkey proceeds - maybe it'll help someone else's claim. Sent the prelim letter on 17th April and received no response - so the Letter Before Action went today (9 May). The sum I am claiming is around two and a half thousand. Judging from this forum and speaking to others there is quite a high success rate, but I get the impression that RBS may have started contesting claims in court - or maybe just playing a game of brinksmanship and settling at the last possible moment. Anyhoo, I'll keep this little journal updated. Cheers Phil