LOL.........quite right. Have a good weekend.........you defo deserve it!!!

If you mean to claim back charges................no it doesnt make a difference. Gav

Looks good to me mate. Gav

I think thats a reasonable letter and offer on your part. They get away without having to fork out the 8% interest and you get what you want. At the end of day Lucy, only you can decide whats right for you and your circumstances. Its all well and good chasing them for every single penny but in some cases it may be just as accaptable to take what is offered and walk away with peace of mind knowing that your curent situation has been eased and that you have gained a moral victory. Whatever you decide will be the right choice for you..........and at the end of the day thats what matters. Gav

Good luck mate!

mate use the search fetaure and search for a thread called Stuart V Rbs. theres a letter in there which is short and to the the point. HTH Gav

It really depend on what you think your going to find on the rest of your statements when they arrive. If you think its going to be thousands then simply write to them saying you'll accept the offer but without conmditions and that you will be pursuing them for the rest of the outstanding amount, when you have a final amount (at this point they will probably withdraw their offer). Search the forum as there are loads of great letters for this situation. HTH Gav

Lucy your situation is quite similar to mine and i have to agree with you. The RBOS have been anyhitng but sympathetic!!! I hope you get out of the current squeeze enough to keep on top of this!!!!! Gav

Good stuff Melanie. Keep us posted girl

keep up the fight. We'll all get there in the end!

Good luck unicorn!! Keep the updates coming.

OK peeps............prelim letter sent today, recorded delivery of course Two weeks and countind til my LBA Bring it on!!!!

Not good at all.........and as you say makes you wonder. Anyway.....keep the fight going. These things are sent to try us Lucy. Gav

As far as I'm aware mate none have actually gone as far as the cortroom. The closest I've read was on Mairi V RBOS. She got to court but their representative offered her settlement before they went in Gav

On you go Warah!!! Keep the chin and keep us all posted. You''ll get all the help and support you could need on here!!!! Gav

No way Lucy.............thats sickening!!!! Hope your not badly hurt???? Gav

Yeah I read another similar thread (cant remember which one). Hopefully this is a change of tact by RBOS????? Well done mate

LMAO!!..........(blushes) i sure will Susanne BigCol..............you know that sounds like a great idea mate. Put the cat amongst the pigeons!!! Cheers all. Gav

OK peeps!!! Received my 6 years of statements in the post today! RBOS still havent actually taken the £10 fee from my account as yet...........goodwill gesture or not? We'll see. Anyway...........have quickly gone through my account and at a quick and rough calculation it looks like the charges are in the region of £2400!!! To say i'm shocked is an understatement However if anything this has just galvanised me and made me even more determind to get my money back! The battle has begun in earnest! Gav

lol..............your welcome susanne. In saying that.............my name is Gav

lol...........your more likey to have the t-shirt stolen of your back

CONGRATUALTIONS Claire.................great sutff!!!! How close were you to actually going into court? Did the representative just saunter up and offer you the settlement? Well done Gav

I would just go straight for the court action susanne. Not 100% sure on the forms though as i'm not that far along myself..........best to check. Good luck.

Haha not a bad idea Gargoil!!!! Scare them into submission

Good luck Claire! This should be happening as we speak. Hopefully all is going well. Gav