hi there theno1lush.. thanks for your post hi there also fiestychick, and thanks to you too.. the reason i haven't posted since february is simply because i didn't have time.. new baby born in march, and since then.. many, many sleepless nights and long days at work! anyway.. i decided to try a slightly different tactic with my bank, and phoned them whenever i could, to get this sorted - i guess i was trying to appeal to their better nature by establishing a personal relationship with them - it didn't work really as you've already seen in past posts, i sent my first letter in november 2006, and received no reply what-so-ever.. so i sent my second letter in december 2006.. the bank replied to that eventually in january (infact 6 times!).. usual rubbishy letter - very busy, many complaints/claims etc. that's when i started with the phone calls to 'tommy mcClean'.. a really nice guy who promised to get it sorted for me and on countless occasions promised to phone me back the next day to update me on my claim etc. he never ever phoned me back.. and neither did anyone else! eventually, i received an offer of £1374.. which i accepted as part payment - sending the letter back to the bank in march or april(?).. but i still got nothing (money or otherwise)! so.. a couple of weeks ago, i spoke to 'tommy' again, and he told me he'd been moved to another department and my claim was now in the hands of 'rachel smith', who i spoke to straight away.. another lovely lady, who promised to sort things out and phone me by the end of the week.. 2 weeks later (after hearing nothing) i phoned again as i had a day off, and some spare time - spoke to 'rachel' again, and after gaining no joy whatsoever from her i asked to speak to her manager (or someone who could make descisions.. i was phoned then by 'rachels' manager 'mary' (i can't remember her second name), but alas, she couldn't make any descision either, so i demanded to speak to someone that could make a descision, or i was going to court and would sue them not only for my charges, but also wasting my time, money and causing undue stress! this must have worked, because i was then phoned by 'sandy watt' - a very nice man, who was more than helpful! he phoned me back after a brief conversation telling me he couldn't find any of the paperwork i'd previously sent to the bank, but on 'this occasion' they were willing to pay back all my charges! so there you go.. sorted! sorry this is a little brief, but i'm at work and really should be doing other things right now but that's how i got my charges back.. i mithered, and threatened as much as i could - while always keeping a clear and calm mind good luck mates & take care.. rors

AT LAST.. SUCCESS!! RBoS have at last agreed to pay me back all my charges dating back to 1999! a grand total of £2767.01 - wooHoo! it's taken me the best part of 8 months to get them to sort it.. but they have - and i didn't even have to go to court.. it was a close shave though so.. for anyone reading this who's currently fighting for what they're owed, stick in there and it'll all come up nice in the end - i hope cheers to everyone here that's helped me out over the past 8 months.. without you i wouldn't have even sorted out my first letter.. never mind the great support you guys have given me so to you all i raise a glass of vimto and say.. CHEERS! take care all.. rors my thread is: rors vs rbos..

AT LAST.. SUCCESS!! RBoS have at last agreed to pay me back all my charges dating back to 1999! a grand total of £2767.01 - wooHoo! it's taken me the best part of 8 months to get them to sort it.. but they have - and i didn't even have to go to court.. it was a close shave though so.. for anyone reading this who's currently fighting for what they're owed, stick in there and it'll all come up nice in the end - i hope cheers to everyone here that's helped me out over the past 8 months.. without you i wouldn't have even sorted out my first letter.. never mind the great support you guys have given me so to you all i raise a glass of vimto and say.. CHEERS! take care all.. rors

well i guess you all thought it would've been stupid of me to send that email.. good job i didn't then eh? ..i wrote it in a fit of rage! anyway.. i really need to get my court proceedings going but don't seem to be able to find any help on this forum (although i'm sure there must be tons of advice somewhere)? i want to sort it all online.. so any advice people? since i started my claim, i have paid £120+ in interest alone, and am near my OD limit again - i really don't want to pay a penny into that account ever again - what can i do about this? thanks again.. in advance rors

i'm about to send this email to your friend and mine Tommy McLean.. is this wise or stupid? ..in other words.. could it go against my claim? Hello there Tommy, i was wondering if you could give me a ring regarding the letter of offer i was supposed to receive this week (the second you have sent i believe). I was told by both yourself and one of your colleagues (whose name escapes me right now) that the offer was for £1374.37 (or there about), and that a letter had been sent weeks ago.. and another was on its way! Still neither have turned up, and despite all our conversations regarding my claim you have not (at any point) phoned me when you have promised you would, or returned any call i have made to you! I feel Tommy that you are now stringing me along in hope that I will become bored with the whole thing and forget about my claim altogether - I would like to assure you that this is far from correct, and every piece of literature that i have sent to you (and RBoS), received from RBoS (because I certainly haven't received anything from you), plus every telephone conversation will be brought up in court - as i have recorded virtually all of them! I have asked RBoS to pay back £2656.88 in total, close my account and call our business dealings quits. This is a small price to pay in my opinion, and to be told by you that you will not be paying back any interest to me is nothing more than a sham! RBoS have charged me over and above (in charges and interest) for the past six years (and they still continue now), how would it be taken if I refused to pay the interest? I am sick to the back teeth of being led a merry dance up the garden path by RBoS, and thought you had more integrity than you seem to be showing! Please prove me wrong Tommy, as I have spoken highly of you in the recent past to all at the Consumer Action Group. So please do the right thing Tommy and show me the courtesy that I have shown you, and give me a call so we can come to some kind of conclusion before the court proceedings go too far. Thanks in advance... yada yada yada! what say all of you.. too strong or just right? thanks again all..

thanks for yer reply t4ff.. many deadlines have passed and i too am beginning to think it's all a bluff! i'm starting court proceedings.. and to think.. i gave tommy macClean props for being a decent guy too? i'm absolutely sick to death with em! cheers as always

hello all.. again just a quick update on the situation here.. ok.. RBoS have at last come up with an offer!! unfortunately, it's pretty much exactly half of what i'm claiming from them.. i'm claiming £2656.88.. they offered £1374.37! and the reason they only offered this much is because (they say) they're not paying out ANY interest at all TO ANYONE? anyone else heard of this? anyone got any advice on what i could do about this? i've told 'em i'll sort it out with them in court, and they said they'd look into it and get back to me.. any thoughts? thanks as always mates

thanks for your reply hagenuk.. i haven't yet issued my claim via the courts.. but i have just been back through all my statements, and amended my file - they've paid me back a total of £574.06 (excluding interest) over the past 6 years.. anyway, now i know that, i can issue a claim against them in court thanks very much man rors

hello all.. just a quick one.. but very important! i have made my claim (22.11.06), and since sent my second letter (12.12.06), and included with both a total breakdown of all my charges for the past 6 years.. my problem/querey is: the bank (on the odd occasion) have refunded maybe half my charges back to me.. so say they charged me £150 one day, they may have (but very very rarely) refunded back £75 as a goodwill gesture.. all of these refunds being to the tune of about £726 in total (including interest) £574 (without interest)! basically, i have left these charges in my claim because i feel the refunds never helped my situation.. have i messed up my claim now? i'm beginning to wonder if i should look again at my charges/refunds, and adjust my final claim again.. it currently stands at £3383 all in.. and i'm worried i should really only be claiming for £2600 or so..? what say you..? any help will be gratefully received.. rors

hello again.. i'm afraid mr mcClean didn't get back to me today as he promised.. he did say he was in london today, and tat he'd get intouch from down there. i could give him the benefit of the doubt, and accept he has probably had a tough day, and it slipped his mind? i guess i'll find out in the morning when i phone him i'll keep yuz posted cheers mates.. rors

ok people.. i've literally just come off the phone from tommy mcClean (nice man).. i told him that i'd given them enough time, and that i was about to start court proceedings against RBoS.. he has assured me that he will ring me in the morning with confirmation of an offer (and a good one he says) from RBoS..? so i'm gunna hold on for 24hrs.. and see what transpires! i'll keep yuz all posted rors

kool.. great advice t4ff! i never thought to include any further costs.. thanks again.. rors

ok chums.. here's my latest update (better late than never i guess).. since sending in that second letter, i have recieved six letters back from RBoS (sandy watt) asking for a little more time.. hmmmmm? well, i have given them an extra 14 days, and they've done absolutely nothing! i've just phoned tommy mcClean, but he's not in until later, and i was assured he would ring me back today (we'll see).. if i don't hear from him today, i'm starting court proceedings! i'll keep you all updated on my progress mates.. rors

thanks yu guys.. it's at times like these.. that the encouragement given to people like me, by people like you is priceless! you are stars.. rors

hey all again.. i know i've only just put the last thing up (literally minutes ago), but i happend upon Tommy McLean's number in another thread, and decided to give him a ring direct.. he really is a very pleasant guy, and told me the letter had been received on the 27th November, and that there was a back-log of money back requests.. he also said that because i was asking for 'one of the larger amounts' back (£3383.34), that it would take longer for a response to get out to me? i explained to him that i had also sent my 2nd letter today, informing them of my plans for court action within 14 days, and he told me 'if that's what you need to do, to go ahead and do it!' does this sound strange to anyone here..? i mean.. i will go to court if i have to, but has anyone else had this kind of response when they've spoken to anyone from RBoS? anyway.. please give me some advice on all this, as i'm developing a twitch take care all, and thanks again rors