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- Consumer Action Group

I have not done anything further yet so thanks for your advice - it was greatly appreciated

I will be posting my data protection letter tomorrow asking for details of my charges (I have a feeling that most of my balance now is made up of charges)

Could anyone give me some advice on the following?

I was over my credit limit (by about £100). I wrote to the bank and told them that I was having problems and that I owuld pay off £50 per month and asked if they would consider freezing charges and interest.

I received no reply on this but the next few bank statement clearly said at the top that I am in a replayment scheme and that no charges or interest would occur as long as I paid the agreed amount.

However at the bottom of the statement was the usual lines about being over my creidt limit and having to apy XXX amount to bring it back under its credit limit.

I have assumed that my offer was accepted I have mainitained the £50 payment. I have noticed that over the last couple of months they have started to add charges again and interest.

I have written to them today (post tomorrow) asking to explain their action but I was wndering what anyone else's opinion would be on this matter.

I have had a partial refund from my bank as a 'goodwill gesture'. they have stated that the OFT ruling refers to credit cards and they don't believe it applies to current accounts.

Which letter do I send to caim the rest of themoney?

do I need to alter any of the letters already in the template library?

Hi - sorry about that! I can't find the particular section for RBS and do I use the 'Letter before action' template?

Hi

I have been trying to get charges back from RBS and sent them the preliminary letter. I have had a response refunding me half MY money but they say the 'do not accept the OFT's findings' and have only refunded the amount they have as a goodwill gesture as full and final settlement.

Where do I go from here? Is there a letter template I can use to try to get the rest?

I wrote to cahoot asking them to send me an account of all charges levied by them since I opened my credit card account (approx 4 years ago).

I received this reply:

Thank you for contacting cahoot.

To order a duplicate statement log onto your homepage, select your account then:

- Click on 'account manager'

- Duplicate paper statement'

They'll then be with you within a week. You'll be charged £5 for each monthly statement you've asked for.

Don't forget you can view and print your statements for the last 12 months. To view these log onto your personal homepage select your account and click on 'statement'.

If you require any further assistance please do not hesitate to contact us again.

Do I need to pay for this information or are they just stalling me?