CHRISTMAS HAS COME EARLY All the charges have been refunded in full - about 4.2K - good old Tommy McLean - in full and final settlement of my claim!! But, as this only ran until 22nd Septe and they've hit me with more charges in October - I'm going after those next so watch this space. The one thing I simply don't understand is the logic of hitting me with a £38 charge to bounce a £14 direct debit. I know I should have the money to cover these DDs first but I'm out of work at the moment so am struggling to pay even the most basic bills at the moment hey ho Thanks for all teh help guys and gals

Thanks T4FF - much apprecaited I finally think I'm getting to grips with this - watch this space - cheers

Ah, my mistake I thought you had to allow 14 days every time. I've sent the letter now special delivery to my branch giving them 14 days again (must stop doing that, so when they come back I'll go straight to an LBA which I've not done yet. Just to be clear should I give them another 14 days with the LBA or stick to the 14 days for the letter I've just sent. Redaing the other threads I see that Tommy McLean in Customer relations at RBS in Edinburgh seems to write a few of these letters. General question plaese - I live in England and my branch is in England. If I write direct to him in Edinburgh does this then switch jusrestriction to them - at the moment I'm writing via my branch in Maidstone Thanks for the advice it's much welcome

Ok, so I've gone for 1 more 'decline to accept offer, but this is the last - keep you all up to date a s I go through

Hi Folks Just to bring you up to date - I had a letter dated 12th October upping tyheir offer to £2500 (big improvement on £575) but far short of the £4K I reckon they owe me - the letter alos said our charges are fair and will apply in full in the future I've only just replied as I wanted to bring the charges up to date (they now stand at £4264.13) I think a Notice bfore action is the next one - but all advice welcomed

Ok, I've been through the templates and am sending them a hybred letter part the rejection of offer template but modified with a bit from the orignal letter giving them 14 days to reply so not a notice before action. How long do I keep this up - I mean if they esend me a new offer every two weeks (say increasing it by £200 a time) how long can they keep this going and when is it resaonable for me to say enough and hit them with the letter before action? I do appareciate the feedback and advice

Ok, One thing I can't work out from the FAQs is what do i do about ongoing charges. My claim is up to the end of August but they've hit me with charges again in Septemeber - now what - do I add this to the August claim or laeve it as a seaparate matter and hit them again for a second time around if that all amkes sense Advice greatfully received Thanks

Hi All, I worked out that they owed me just over £4K. Wrote to them and got aletter back bang on the deadline say cahrges fair, resaonable and offering me £575 as a good will gesture but got to sign my life away to get it. No chance!!, OK off to check the library and see what's next

We'll they made it - got 2 massive enevelopes of statements back bang on the day the reminder popped up in my Calander to hit them with a default, so I've just spend the afternoon going through the statements and they owe me a wopping 4K in charges. The stupid thing is if they'd not hit me with these, whilst I would have gone overdrawn I wouldn't be in half the mess I got into My August bank statement is due in a couple of days so I'll wait for that and then hit them with the next letter Keep the posts up, reading through them helps me a heck of a lot Once I've got the RBS out of the way, then I'll start on the rest of the bunch Cheers

Well, they've got the letter and interestingly enough I got a letter from them today entitled 'PAid Referral Charge' with a note of their charges and it was dated the same day they would have got my letter Is this significant - not sure but we'll see or if anyone can comment it would be welcome Thanks

OK, so first step taken Data Protection letter is in the post today special delivery - kepp you posted

Thanks for that - the answers are England & England so I'll get the letter off to my branch and take it from there

Hi, I've been reading through the web and the FAQ and feel I've got a fairly good grip on what I need to do but have 1 question which I can't seem to find the answer to As RBoS is a Scottish Bank can I issue a small claim through the English system or do I have to issue it in Scotland which has a very different system and low levels? Looking at other threads it would seem so but can anyone give me a definative answer Thanks Jinxa