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About stuart.m

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. No I didn't. I figured that i'd have more chance of a decent settlement without asking for that as well, keep things simple i guess, plus as the amount I was claiming was quite small in the grand scheme of things I just left it out.
  3. My claim is settled, just thought id bring it to the attention of the folks in charge, as I found myself the successes section is good for motivating. http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/1555-rbs-charges.html
  4. Thanks! The letter does use the words "full and final settlement" like you say, but it only ever refers to settlement of this complaint, and there was nothing else on the form that said it was anything more than settlement of this specific complaint. Anyway, it's signed and in the post already And, touch wood, i never intend to be in a similar situation again! Stuart
  5. Well, got a letter from the bank the other day, just got home and opened it yesterday. First page read basically as what i'd been expecting, trying to convince you that they are in the right etc, then the top of the second page... "as a gesture of goodwill and without admission of liablity or error, in this instance we are prepared to offer the amount of £679.74 paid direct to your account" I'd hoped for an offer, maybe a few hundred, but never expected them to offer the full amount - that is (to the penny) the amount i tried to claim. To be honest i was pretty worried about the wh
  6. i just sent the prelim letter thru the post, think i will follow it up with an email this time. the more aware he is of it the better i guess.
  7. Well, no reply from the bank at all so time for the next letter!
  8. right, am ready to send my prelim letter asking for refunds to the sum of £697.74. Im not sure which address would be best to send it to, having read the list of contact addresses pinned at the top of this section. I was thinking send it FAO Tommy McLean, as this seems to be who most people end up dealing with at some point or other?
  9. Hi, Quick one... for a while I was parking in a town centre supermarket car park sometimes during the day. There is plenty signs up, stating a 90 minute limit, and in general I stuck to this - i never parked knowing that i was going to be longer than this, although a couple of times I was, and got fined for it. Thing is, there was never a notice of any kind placed on my car. As i wasnt doing this often, i only got 2 fines, both through the post on the same day, although the dates of the incidents were 2 weeks apart, and nearly a month earlier. I'm sure it wasnt just me that got stung
  10. well... finally! yes its taken me a lot lot longer than expected (priorities - uni, work, and more work!) and it slipped to the back of my mind but im finally ready to go ahead, hopefully once its going itll all happen quickly enough. I sent the data request about 2 weeks ago and just got a copy of all my statements going back to the year 2000, so just need to sort through them all and sort out the schedule of all the charges, ive not finished yet but its looking like its going to be about £800ish. So, this should all be sent off to the bank on Thursday/Friday! Now that things are in
  11. I don't think i did get charged for anything before I was 18, no, as I didn't have any direct debits or anything. I didn't sign a contract when I turned 18, but i signed a contract when i changed from a route 21 account to a student acccount a few months later, so i think the paperwork is all in order. I was home the other day and dug out all my statements, out of roughly 100 pages i have about 60 of them, and the charges on the pages i have (think its most of them) add upto £339.74 - over the last 1yr 7mths. £17.88 a month for the last 19 months, on average. The scary thing is how much t
  12. Hi, Brilliant site this - theres millions of us being taken for fools every day and hardly anybody realises it. I've been a royal bank customer for the last 4 years (since i was 15), and over the few years ive paid hundreds in charges. Up until last september i always had wages going into my account every month, quite a lot sometimes was working several jobs for a long time. I've got to admit im not the best at managing my money, and have dipped into the red by mistake a few times, not leaving enough there for direct debit's and stuff, hardly financial ruin as ive always had regular inc
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