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Don't let them intimidate you ,sit tight, refuse any offers they make untill you get the one for the full amount. trust me you WILL get all your money.not too sure what the cpa 18 is all about but i'd bet it's just another angle theyr'e trying to pull good luck

Hello all, heres an update on my situation- I sent the letter before action giving 14 days notice of legal procedings in march and heard nothing back until a couple days after the deadline when i got a letter from the grand fromage of the customer relations dept.the letter just went over old ground about charges being fair ect and taking it up with the FOS if i'm not happy, but no mention of of legal proceedings which i find curious? I issued the claim on 5th april,it was served on 11th,on the 19th they filed an acknowledgement. on the 10th(yesterday) i got the particulars of the defence through from their solicitors(cobbetts) who are based in manchester,i'm wondering if thats a ploy so they can get court switched to manchester in an attempt put me off ?? I'll try to summarise the main points of their defence- they seem to be suggesting that i havn't 'propery particularised' my claim and that if i fail to do so will apply to strike out my claim or for summary judgement.in resect of this they are inviting the court to hold a case management conference so i can get my act together,how considerate of them! They're trying to get an angle on the fact that one of my accounts is a joint account with the wife, i can't really see that being a problem as she'll come to court with me if need be. and lastly they're asking me to identify the the sections of the ucta act 1977 and the uctcr 1999,can't see that being too much of a problem either. So here we go,i'll keep you posted on any developments mick

hello candice, sorry my post wasn't very clear, instead of hyjacking your thread i'll carry on with mine and explain where i am with it all on there cheers mick

Hello candice your not on your own, my claim was served on 7th april for over 3 grand,i've got a hundred and one things going on at the moment so i haven't got round to getting on here much,just spotted your thread tonight. All i've had is the usual 'sorry your unhappy' speil other than the last letter that was as unfriendly as a letter from a bank can get i think, but no acknowedgement of the legal procedings and it arrived after the deadline had passed ??? Its strange that they've made you an offer as they certainly havn't made me one (obviously if and when they do i'll knock it back unless its for the full amount) they seem to be treating each case differently,maybe to try different approaches to test the water???who knows like yourself i've got no intention of bottling it now so good luck and i'll keep you posted cheers mick

Cheers for your help robert, fortunately i live in england so this hopefully won't be a problem

Hello john, i don't know if this is any help but i've had stacks of referal charges applied to my accounts which are just normal current accounts so these don't seem to be exclusive to business accounts. when i asked what they were for they said it was purely the fact that someone has to make a decision at branch level whether or not to pay it. i assume they would refer to this as manual intervention.

Cheers bankfodder, sorry to be a pain in the arse over this ,taking on board what you've said i think i'll send them another letter asking them to justify their charges and give them a further 14 days before action,i just didn't want to seem as though i was wasn't serious as i'd already given them a deadline but at the same time i appreciate that i've got to follow the correct procedure thanks again mick

I'm really sorry but i'm a tad confused I've sent the consumer version what i thought was the opening letter basically saying that i'm not happy,asking for the charges to be refunded and giving 14 days notice for action. Iv'e had another look in the libary and seen another letter headed something like 'prelimary approach' which is similar but asks for the bank to enter into dialogue ect. In my last reply from the bank they have said that they stand by their charges but if their are any particular charges that i dispute they would be happy to discuss them. Iwant to go straight ahead with the claim now but what concerns me is that i'll get to court to be told that i didn't go through the correct pre action protocol????????? Obviously i really want to get going with this but i want to get it right appologies if i seem to be going over old ground, cheers mick

cheers Buzz, i addressed my initial letter to the branch manager and she just passed it to the branch ''service quality'' manager. I'm thinking that as i gave them 14 days notice i should just go ahead with the claim as thats now expired.

Thanks for your help Richard,much appreciated.

I got the standard "sorry your not happy,we'll look into it " letter a week or so ago followed a few days later with another predictable one stating that they see their charges as fair and transparent - blah blah blah and that they are not prepared to repay any charges. i need a bit of help with filling out the court form as i'm not sure wether to put the the branch address or maybe a regional office???? i've got a rbs address from this site for telford ,not sure if thats the one to put down?? can anyone advise please.

appologies for the lack of spacing in my 1st post ,it won't happen again. thanks for your help with those points,i'll have to do abit more research with regards to the mortgage angle to find out exactly what i did sign. I got my first response from my branch this morning which is a pamphet titled "charges and rates of interest" Along with a compliments slip with nothing on it!! I dont think they've taken it too well!! I think i'll notify their head office that i've lodged a claim then just sit tight and start the ball rolling after 14 days,thanks again, mick

Hello everyone, I took great pleasure today delivering my opening letter to my branch of the rbs asking them to return over 3 grand which they've squeezed out of me and the mrs over the last 6 years.I've got a couple of things i'm not too sure about, firstly the claim relates to two acounts ,one is my sole account and the other is my joint account with the wife,both of which are held at the same branch,i'm wondering if there are any legal issues in the fact that i will effectivley be partly claiming on her behalf???? The other thing is that they had a few grand off us a couple of years back for a mortgage redemption penalty which we didn't know existed intill we tryed to get a new deal off them, the woman who sold us the mortgage told us mistakenly that there was no tie in and we nievely signed up without reading the smallprint(lesson learned)!! I tryed to argue the toss but got nowhere,eventually took a good will gesture of 300 quid as i was getting nowhere and didn't feel i had a leg to stand on as i'd signed on the dotted line.The point of all this is that im considering using the bankcharges issue as leverage to recoup the redemption penalty aswell,i.e. if they offer me a deal relating to the bank charges only accept it if they agree to refund the redemption charge aswell,and if they don't agree,carry it through to court.my logic behind this is that it dosn't matter to them wether its 2 grand or 20 grand they just want to avoid going into court and having to justify their charges ect.I'd be interested to hear wether this sounds like a feasable coarse of action or not and if so how i should go about it i.e when to inform them of my intentions as i havn't done so in my opening letter, cheers,mick