Hi Just received second letter from RBS (after letter before action) it reads: We believe tht 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 poublished tariff, which we are satisfied, complies with all applicable laws and regulations. We are also commtted to ensuring the transparency of the information that we give to our customers about the operation of our products. Against that background, we much differ to the views express in your letter. Accordingly, the charges that have been applied to your account must stand. Therefore, this is the bank's final response to you on this matter. You may wish to seek the opinion of the Financial Ombudsman Service (FOS) and the enclosed leaflet, which is produced by the FOS tell you more about the scheme and how to contat them. You can also visit the webiste.....and if you do write to the FOS then you should provide them with a copy of this leter within six months of the time that you receive it. You should also send copies of any documentation that you feel supports your case. My question is has any one else had a response like this to their second letter (letter before action). My first & second letter where sent to Tommy Mclean, should I have sent it to my local branch. The letters received thus far seem to be just standard and has not been passed to my branch. Need help as I now have to follow through with my court claim. I have not asked them to provide me with my statements as I already have my original copies, should I have asked for copies. Am I on the right track? Thanks all for help

Hi there just sent letter before action 19 June 2006 to RBS now waiting to see what repsonse I receive. Just remind me how long do I have to wait for a respnse before I process my court application. I have two other credit card accounts Barclays & RBS Advanta at first stage. See what happens with those.

Thanks for the response thus far. Is there any other address that any one has used to greater effect for my second letter? Many thanks

I have sent letter date 15 May to RBS regarding 6 years of bank charges as suggested in the first stage to reclaiming bank charges. The letter was sent to Customer Relations Manager, Freepost PO Box 1727, Edinburgh EH12 9JN. Reply 1 June - They duly responded with - saying that the bank charges are fair, resonable and transparent. We consider that the amounts debited to your accound have been applied strictly in accordance wih 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 operation of our products. The OFT is presently in contat with us and with seven other major credit card companies to discuss the level of charges on credit cards. It is importat that I emphasise theese discussions are limited to charges on credit cards only. We have considered the detailed statement made on 5 April by the OfT on credit card aministration charges and we have responded to the OfT by the deadline date of 31 May. 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. Again thank you for taking the time and trouble to write. Since the programme televised last week by Trevor McDonald Tonight would I need to either redirect my letter to another contact within RBS or do I give up at this stage. Has any one else tried to reclaim bank charges from RBS; (over six years mine total upwards of £2000). Can any one suggest a way forward. Many thanks