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angelface, how do I now go about progressing this matter. I've had a good think about the outcome, and I'm prepared to go ahead. This site can be confusing once you progress any further than this stage, and I'm unsure as to how to go on Any help greatly appreciated

So which letter do I send to head office now?

Well, heard from the bank last Thursday: Dear Mr. xxxxxx Your complaint regarding charges has been passed to me and I am sorry we have failed to reach an agreement with you. Please accept my apologies for any unintended inconvenience or upset. I regret that there is little that I can add constructively to previous comments. But, having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the time items were presented for payment. Accordingly, the charges that have been applied to your account should stand. It is disapointing to note that you are contemplating legal action against the bank. whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any Proceedings are served on our Registered Office address, which appears at the foot of this letter. I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and trouble to contact us. Yours sincerely Ian Anderson Customer Relations and the address: RBS PLC, 36, ST. ANDREW SQUARE, EDINBURGH, EH22YB. So, what now? It does look like they want a fight, what chance do I have in a court against the RBS? My wife, after reading this last letter, is all ready to give up and let it lie, but I've come this far already!

Cheers angelface, I'll keep you all posted

Thanks again, I'm sending this tomorrow: LETTER BEFORE ACTION Dear Mrs ************, ACCOUNT NUMBER: ********* I am glad that you have responded to my letter, but disappointed that we couldn’t resolve this matter. I have amended my claim to take into account the points you raised in my previous letter. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. You have calculated that you have taken £785 in charges off me in the last 6 years. Please refer to the original letter and summary of charges for clarification. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully, *********** It will be interesting to see if I now get bumped upto customer care after this one. chris.

That was quick! The £700 in charges I've taken out amount to 2 things I'd accidently put in twice and bank charges I'd mistakenly applied that were part of the accound I have (royalties account) I've been back through the statements, and it seems to be correct. Like you say, it's nice to see that I've caused the manager to actually spend some time on my account though On the subject of your statements, read the first part of the advice about the procedure on this site again, and there's a letter to send, along with £10, that will get all your statements sent to you. Rather strangely, mine came headed from the Nat-West? I'll keep you all posted.

A big thanks to Martin over at the Money saving expert site for pointing me in the direction of this site I started my action against the rbs back on 03/05/06. I went into the bank with my £10 and printed out letter from here. The girl behind the counter knew what it was straight away, popular then! I received my 6 years worth of bank statements not long afterwards, and when my wife and I had time, went through them and picked out all the charges. It came originally to just over £1400. I put this all down on paper, via the template off here (thanks guys) and sent that to my local branch. Just last thursday 29/06/06, I recieved this letter: Dear mr rogerwilko and missus Thankyou for your patience whilst awaiting my review of your charges refund request. In connection with the individual charges detailed in your correspondence, I would like to comment on the following:- Here, the manager of the branch goes through my claim bit by bit, and pulls it apart! Apparently I'd made some errors and put some charges down that I shouldn't have. The upshot of the revised claim is down to £785, which is still nice to claim back, she then goes on:- We believe that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied , complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operations of our products. We have considered and responded to the office of Fair Tradings (OFS)statement of 5th April 2006. We do not accept the OFS's findings in relation to credit card fees. We are concerned that the OFS has publicly called in to question the setting of charges applied to other products, including current accounts. The OFS has restricted its investigation to credit cards and moade no attempt to consult with the RBS or the industry in relation to other, entirely different products. Consequently, against that background, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account. yours sincercerly yadda yadda So, my question is: Where do I go now? Is it court action letter time? Before I head down that route, am I right to stay with my local branch on this matter, or should I now go over their heads to head office? Big thanks so far for all the help I've recieved off this site and Martins Chris.

Thanks guys, I'll keep that in mind, good idea about the parachute account Dropped my letter in on the way to work, and cashier asked if there was a £10 in it, obviously they've had a few recently chris.

After sorting out my finances recently, and deciding we need to do some drastic cut backs to stay afloat, I've been over at Martins site for a few days when I spotted this link. How glad I am that I did, I've had a good read through the FAQ's, and my first letter will be handed in with my £10 today. Wish me luck Over the last 6 years, I dread to think what we've been charged by the bank, as we've not been the best at keeping our finances in check One question I do have though: In reading through others experience, I noticed one person mention that after all charges are refunded, the individual closed thier account. Was that a voluntary thing or do the bank your claiming against close your account for you Hope not, as I don't think I'd be able to switch account anyway. CHRIS.