Thanks for that, I'll send it off tomorrow.

Since returning my form and accepting the £402 refund, I have yet to actually receive any money!! I did receive £128 at the end of March, which was a refund of the charges taken in February, but that was all. After a phone call to a lovely lady (Hilary) in the customer service dept, it was agreed that they would send on the rest of the cash, but as it's another department that actually pays you she could only send them an email. I have called again, 2 weeks later, and spoke to the same lady (who was still lovely) who told me they have received her message and that it will be dealt with in time but due to the high number of claims it's taking a while. I really need to get this sorted now. Any ideas? Should I just keep calling them until they cough up?

Thank you so much for your help, I'll send the form back asap with a letter regarding the £28 pending. I'm so pleased I did this, everyone should! I can't wait to see what they say in response now! Will let you know! Thanks again!

So, would it be best then, to send back the acceptance letter and attach a letter asking them to cancel the charges due on 16th March, or to call my branch do you think? I swear they know me in there and dread talking to me on the phone, so it may not be effective. Also I'm sure they'll try and fob me off. Perhaps I should just wait till they add the charges before doing anything, but that may well push me over my limit again, there's very little left in the account!

Yes it does, but not the £28 they'll take from me on the 16th of March. Should I just accept then?

Hello, I'm totally new to this and am looking for some help with my claim against the Royal Bank of Scotland. I sent them a letter on the 13th Feb asking for £480.71 in bank charges to be refunded to me. I used the letter from Martin Lewis's website, moneysavingexpert.com. I got a reply yesterday from Sandy Watt (whom I see is becoming a minor celebrity on this website...is it a man or a woman?? Who knows!!), offering me £402, which is the amount of charges, but does not include the interest that I had added on. I'm not sure what to do now, wether to take this amount or hold out for the other £80. I just got my bank statement this morning, and because they took £126 worth of charges from my account in February alone they pushed me over my overdraft limit again, so I'm going to be charged another £28 in March. I'm tempted to add this on as well!! Any advice from anyone? My husband thinks I should just take the £402 and run as I got it so easily.