Got a letter saying that the charges on my account etc were fair, blah blah. However, as an act of good faith they are going to refund the FULL amount that i asked for! (£4465) I am so happy, not a penny less than I asked for. I did make it clear in my second letter that I would not be backing down and advised them not to offer me a smaller amount - appears to have worked anyway! Does anybody know the timescale for getting the money? I posted the letter of acceptance (taking a copy of course) on Monday past??? Thanks for all the advice by the way - brilliant!!!

Update. I sent my request letter off giving them the 14 days etc and got the Sandy Watt aknowledgement letter. I have given them a week over their 14 days and i have now sent the other letter off. I have stuck with the template but made a few extra comments because the bank phoned me to say they were going to default my account shortly (this is nothing to do with the charges, purly because i am overdrawn). I have stressed the urgency of a reply and payment but also that i will not be accepting a reduced settlement figure. Is this too strong? I am scared that i wont hear anything back?

Sent off my letter with the spreadsheet of charges on the 11/04/07. They have replied today (18/04/07) thanking me for my letter regarding the charges applied to my account and that they are considering my claim and will respond to me as soon as possible. From Sandy Watt. Do I now give them 14 days from receipt of this letter or do I stick to my original letter are disregard this one?? Many thanks.

Thanks for that. I am currently putting everything into the template spreadsheet and everything should be ready for posting tonight. One last thing (sorry), do i actually send my statements with the letter and spreadsheet??

Hi there, I have received my bank statements and am stunned at the amount of charges i have incurred. My question is do i simply highlight these and send them off, and if so to what address is it best to send them to? I have seen so many addresses on this site that i'm confused. Am i best to send it recorded delivery etc? Many thanks.

Sorry, in terms of timescales some people appear to get their charges back fairly quickly and others it takes a long time. Is this specific to particular banks? From what i have read, the RBS appear to take some time.

Thanks for the promt reply. It is that report indeed, guess I was just a bit scared of the whole thing but then I think about all my many many charges and it makes me determined! Just worried that it is going to take months and months. Will read the FAQ's though and keep posting.

Hi, This is my first post on this site and i'm basically just looking for some sound advice. I have just sent off my first letter to the RBS asking for a list of all my charges for the last 6 years, I have included a cheque for ten pounds. My main questions are, is it too late to start this process now as there is soon to be clamp down on these charges? Is it just a case of totalling up my charges and writing to the same address asking for a full refund? I have read many posts on here and just feeling a little confused. Any advice would be appreciated. Thanks.