Thanks guys - I have started writing out my letter threatening court action. You never know, they might decide to pay up before I actually have to take it that far! Fingers crossed

Has anyone done this and succeeded? Surely they wont credit my account until we have come to a final conclusion(?)

Hi Everyone, I have recently made my inital claim to RBS for £1396.25 and they have come back to me offering roughly 60% as a "goodwill gesture". I am now debating whether to take it or carry on and take them to court. I am a little concerned as I can't find info on anyone who has succeeded. Is there anyone out there with a success story? In addition to this, I have read on certain sites that the OFT have said that the charges should not exceed £15 - is this the case and, if so, should I be deducting this from my claim or going for the full amount? I am worried that if I take them to court the £15 will be deducted from every charge I am claiming for and I will actually end up worse off. Anyway, advice would be welcomed. Thx L

Just been reading your thread with great interest. I have just had an initial offer from RBS for £806 (total claim £1396.25). I have yet to reply but am slightly concerned with the possibility of court action. I haven't had time to read all the treads on here but is there anyone you know of who has succeeded yet?