Thanks again Willow, I'll get on with making my claim.

More Stalling I Think:???: Recieved two letters with in two days from RBS: Letter 1 dated 31st Oct Thank you for your Letter dated 30th Oct 2006 regarding repayment of charges and for your patience while I have been investigating your complaint. I am not yet in a position to respond to all your points in full because of a delay receiving copy statements I am extremely sorry to have to keep you waiting, but rest assured, I will contact you again in due course. Yours Sincerely H Byers Letter 2 dated 2nd Nov RE: Case Reference 3849464 Thank your for your patience while I have been incestigating your complaint about charges made to your account. I am not yet in a position to respond to all your points in full because we have not yet recieved the copy statements but we are chasing this up. I am extremely sorry to have to keep you waiting, but rest assured, I will contact you again within the next two weeks. Your Sincerely A Coote So I have been sent two very similar letters from two different CSO's and one stating a time frame which is about to pass. Is this yet another delaying tatic? I am also due to make a court application this week as the time scale for that is also due this week. Should I send a letter first reminding them that I'm about to do that and pointing out that their own time scale has again run out? Or should I just proceed straight to the court claim process?? Must admit starting to get a little nervous now!!

Certainly is Stacey:p Wonder how they'll take that, they said they would write again within 7 days and I'm still waiting for that one. Request for repayment of charges (14th Oct 2006) Reply Recieved (21st Oct 2006) Letter Before Action (30th Oct 2006

Well thats the Letter Before Action sent!! (30th Oct 2006) Request for repayment of charges (14th Oct 2006) Reply Recieved (21st Oct 2006)

Thanks willow I'll draft the letter and send it today!!

I have recently sent my Charges letter and Schedule of charges to the Middlesbrough Branch of the RBS (dated 14th oct). To my suprise I recieved a reply dated the 20th, as follows: Thank you for your letter of 14th Oct 2006 about charges. I am sorry you were unhappy with the service you recently received, but grateful that you took the time to write and explain why. I am already looking into your concerns, and can confirm that I have today ordered historic statements in order for us to reconcile the charges quoted in your letter to your acounts. I will contact you again in seven days, either with a full response, or to let you know what progress I have made. I shall do mt utmost to resolve your complaint quickly and to your complete satisfaction, but so that you are aware of all the options available to you, I have enclosed a leaflet that explains how we handle customer complaints. Firstly, no Leaflet was included Secondly, the date for the banks reply has passed, as has the 14 days I gave in my first letter. What should my next point of action be?? Any help would be gratly appriciated Regards Chris Catron

Hi My brother had told me to have a look at this site as I've had a lot of problems with the Royal Bank of Scotland and that I should look through my Bank Statements and produce a spreedsheet of the charges. When looking through I didnt realise how much money the bank were infact taking of me each month. I am now about to send my first letter to the bank and will await my reply!! Chris