Thanks for that T4FF and Hydra, however I had to go away to work Thu and Fri and sent the letter without the "partial settlement" bit! Just seen it tonight on my return....hope it doesn't cost me:sad: Also, waiting in the post on my return is the "Acknowledgement of Service" from Cobbetts stating that they are going to Defend all of the claim. Any ideas as to what I can expect next or is there something I need to start researching for the next part? Cheers guys!

Thanks for that T4FF, You know I have not been able to think about anything other than this all day. Do you think the following will do the trick? Thank you for your letter dated 19 March 2007. I respectfully decline your offer of £11298.00 as Full and Final settlement. You may not have been aware that I commenced legal action against you for the full amount plus interest and costs on 15 March 2007 and I would ask that you now refer this matter to your legal department for further instruction. Alternatively, should you wish to settle my claim in full, then please forward a cheque for the balance of the claim (£15984.43) without further conditions and I will inform the court that the claim is settled. I trust this clarifies my position. or as I have seen in some peoples threads where they have stated that they will accept this amount as part settlement but still going for the balance? Any thoughts.....I need to speak to the wife when she gets in from work and see what she thinks but I think you are right why should I let them get away with over £4k of my money!!!!

Well Guys, I did print off all my information and take three copies to the Court with me on March 13th. My claim was now with the 8% added on over £15k so paid the £400 and since then have been waiting for something to happen. Until TODAY nothing at all but then the postman this morning delivers me the standard letter by the sound of it from everyone elses threads "we believe the charges are fair resonable and we do not agree with the basis of your complaint etc etc. Then I turn to page 2 and they say However, having reviewed your case and as a gesture of goodwill without admission of Liability or Error, in this instance we are prepared to offer the amount of £11298.00!!!! Fantastic, I can't believe this is working..... Now the dilema "Deal or No Deal". I must admit I VERY tempted to take the deal and put this thing to bed as if the idiots had of settled before I had to go to the court level I was only asking them for £11482.99 it is the 8% (£4124.08) that has taken me upto £15k. Either way this is FANTASTIC news for me today and I can't believe I have taken them on and won!!!!!

Ok so still no further response from the Bank...therefore, tonight I have prepared my N1 Claim Form ready to be handed in at the local County court tomorrow. I have also printed a copy of everything for RBoS (N1 form, Charges Schedule and 8% Interest charges) which I will be sending them tomorrow. I have to say I am a bit nervous about this stage but going ahead with it anyway. I will keep you guys informed!

Hi Essix Blue, I have now had responses to both my letters. The first one was the one you are referring to but just today I got a response to my LBA letter saying that they are "currently considering my claim and will respond to me as soon as possible"?

Received a letter from RBoS this morning from a Sandy Watt. Saying that they are "currently considering my claim and will respond to me as soon as possible"? Has anyone else had this type of letter before is it a good sign or not? I am assuming that this is not a positive enough response for me to stop the next stage. Assuming I don't hear anymore from them in the 14 day timescale. Which for me is the court stage

Well that is the RBoS 14 days up on Monday and all I have recieved from them was a letter saying that they had received my claim and would investigate it. Therefore, Letter no 3 will be posted on Monday giving them a further 14 days to respond positively. Fingers Crossed

Thanks Scott, I am sure they will eventually but I am expecting a battle because of the sums involved. I hope though with the support of this website I will get them back and that will really help me and my family to start enjoying life again! Thanks for the support Regards Alan

I have just started down this road and I hope it can be as profitable as the rest of you seem to have been. My story starts many years ago when I was a freelance computer consultant and prior to 2000 earning a crazy amount of money. At which point the RBoS and other financial institutions were my best friend. However, after the Y2K bug was resolved the computer market dried up and I was forced to take a full time position on a much reduced salary to what I had been used to and therefore ended up having to sell my current house and cut costs etc. etc. Needless to say I ran up huge debts and had massive problems with my back (RBoS). So yesterday I eventually received my bank statements for the past 6 years and after putting all the charges into the spreadsheet could not believe that RBoS had charged me £10,670 in charges over that time. Also, they charged me £812.99 in interest charges because their charges had forced me into massive overdrawn figures. So my Letter no 2 asking for £11,482.99 is heading their way first thing on Monday morning. I will let you know what happens !