Received letter from RBS today confirming a full refund of my charges totalling £4,397.91. Done and dusted........ M

Sent off my firm but fair rejection letter on the 9th Oct. I was feeling nice so I gave RBS a further 14 days to consider their position, diarised to start Court proceedings on that date. Lets see what happens.....

Well, well, well... A letter today offering me £2,902 as a goodwill payment in full and final settlement. No way! "I hope you will consider this to be fair and reasonable" Nope... Next stage. I'll keep you posted. M

Hiya all!I am putting together today the next letter 'pay me in full within the next 14 days otherwise I am taking you to court'. The final chance. Now, I am assuming that at this early stage they with either offer me a good will payment (that I will reject), or a letter sticking to their guns, which I expect. Thus off to court..Quick question though, If I do make an on-line claim I have to enter an address that is in England or Wales, however my correspondence has been with RBS in Edinburgh. How do I get around this?Help greatly appreciated.M

Just before I was about to send my nice chaser letter, I receive my reply from the RBS, in a nut shell telling me to take a hike! "We believe our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied stictly in accordance with you agreement with us and our published tarrif, which we are satisfied complies with all applicable laws and regulations." "We have considered and responded to the OFT's statement of 5th April 2006. We do not accept the OFT's findings in relation to credit card fees. We are concerned that the OFT has publicly called into question the setting of charges applied to other products, including current accounts. The OFT has restriced its investigations to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products" Consequently, against that backgroud, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account." Im looking forward to this.... here we go! M

Today is the day I send my request for charges letter. I received all my statements for both accounts I have with RBS; one Royalties Account and one Current Account (IPCA). Both accounts total £4,397.91 as of today going back 6 years excluding the 8% interest at this stage. If I am correct in my interpretation of the guidence on the site it shouldn't matter if my gross of 8% interest court claim is above the £5,000, apart from an increase in Court charges to £250, i.e., as long as the 'track' is below the £5,000. I will keep you up-to-date as to how I get along. Mark

I have started the ball rolling making a claim against RBS. I have today made a horrific discovery, after receiving my statments for the last 6 years RBS have shafted me for £4,500. I intend to get it all back! I'll let you know how it goes..