Hi folks Let me explain the series of events leading to the success. Sent all the letters, with the LBA being copied to Tommy McLean as well, recorded delivery. Received the standard fob off letter from Tommy so sent another one stating how disappointed I was etc, etc, Recived a reply from Tommy stating he was sorry I disagreed and also that he never received my letter of 18 August 2006. I sent another response stating that I had no choice but to file a claim and also pointed out that the letter he said he had never received was signed for on the 19 August and also he acknowledged receipt of it in on of his previous missives. Now I don't know whether that error on his part has made a difference, but I received a recorded letter on Saturday stating that they would be refunding all my charges less the amount I had claimed that was over the 6 year threshold - my account being credited with the sum of £1,007 within 5 working days with no conditions being stated in the letter. Whilst I'm aware that this is about £200 less than I was originally claiming, I did try and claim various charges going back 8 years so I cannot complain. Keep going everyone - maybe this is a change of strategy from the RBS realising solicitors and court costs are increasing their potential liability ten fold.

Thanks for everybody's help

Hi All I have had a success !!! As well as the RBS claims, I alos did a claim with Virgin (MBNA). After receiving all my transactions, requesting the £718 charges back, sending my LBA, I decided to phone a guy called Colin Pugh on the last day prior to filing a claim. He wasn't available first thing in the morning but phoned back within 15 minutes and by 2.30 that afternoon, I had a refund of £718 plus interest of £310.29 which he rounded up to a total of £1,030. They had already credited my account with £360 as a ''goodwill'' payment so I am just waiting for the remainder to be credited. My donation will be made as soon as.

Thanks David. In that case, its all done - just waiting for the 14 days on the LBA to expire before I press that button. There will be a few more over the next week to do after respectfully declining various offers. Will keep everyone advised. Mike

Thanks for that. With regard to the online claim, how can you sign the form and where do you insert the schedule of charges/interest etc. Am I being totally stupid or do you submit that separately when, presumably, some paperwork arrives afterwards? Sorry, this is my first time filing a claim and just want to get it correct. Thanks in advance to whoever can explain it in layman's terms. Mike

Thanks Willow. Another question for you. I have started to file my claim and have saved the info until the 14 days are up, but the costs on the website are only £30 ? Am I missing something from your reply about the costs being £130 and £100 ? Also, if the claim is online, where do you copy your schedule of charges and interest to? Or do you have to print out all the forms and send as well as inputting the online claim? How can you sign the online form ? Sorry for being a bit thick but just quite fathom out the intricacies of the form. Mike

Hi - soory to bother you all again I have downloaded the interest spreadsheet before court (for MCOL) and entered all the data. It says that my total claim is £xyz - is there a separate section on the claim form covering the claim of the costs ? Want to get it right before I file my claim. Cheers Mike

Hi All Sent LBA to RBS Credit Card and received a cheque for £56, being the difference from the amounts charged and the new £12 fee. Have sent back letter, with cheque, refusing amount and will start MCOL on Monday. Wish me luck Mike

Thanks Willow. Yes - all correspondence has been sent recorded delivery and copies of everything have been kept. As I live in England, and the MCOL is only for England and Wales, is there a specific RBOS address to use. All the correspondence has come from Scotland and was wondering where the claim should be sent to. By the way the date will be 25 September when claim will be filed. Thanks

Hi All Sent the LBA to RBS and had the standard reply from Mr McLean stating that ''charges transparent etc and that the OFT are to be looking into the charges Banks levy in the next 3-6 months and in view of that..... sod off'' Do I need to wait for the LBA 14 days before I file a claim online? Also, is there a thread that details the wording to submit in the claim ? Thanking you in advance Mike

Cheers Willow. I have amended John's template letter and have generously given them a further 7 days before I send a LBA. I have stated that I will not accept their offer as full and final settlement but will continue to pursue for the full amount through the courts if necessary. Hopefully, they will reconsider. Will keep everyone posted. Mike

Hi Can anyone help please ? Received correspondence from both the RBS and RBS Credit Card, as well as Monument, all offering me 50% of my claim in full and final settlement. Of course I am not accepting, but these offers have been made before I have sent the LBA. Is there a template letter refusing the offer - I see there is one in the library but it relates to after the LBA has been sent and not prior to it. All the offers have been sent on my initial request letters which I was not prepared for !!!!

Yes- will do.

Finally received the information today. Have spend the last couple of hours highlighting and the amount the haqve illegally charged comes to £1340.32. Will send my request for payment on Monday and see what the response is.

Thanks for that. On countdown now !!