Hi, Have sent my rejection letter and LBA off for RBOS yesterday, 23/11, they have 14 days!! Today I have received a response to my prelim letters I sent for mine and my husbands Capital One Credit Cards (that have zero balances). They are only offering to reduce the charges down to the £12.00. So I shall reject these and give them 14 days. Fingers crossed!!

Hello everyone, I have just received a letter from RBOS, with a partial offer of £284.00, although I am claiming £2437.00, this does not include interest. Obviously I am not happy with this and want to send a letter back. Although I have read so much now on this site I have got myself in a muddle and I am unsure what letter to send next. Please help. Thanks Claire:|

I am new to this, I have been reading, lots of threads, trying to work out how to reclaim these charges. I have worked out I have been charged over the last few years, £2498.00!!! However I'm unsure about the interest, how it works, I think I will just claim the amount above. I'll start my letter today. There is one thing I was going to ask. I have several accounts with the Royal Bank of Scotland, including a Business Account, do you think it will affect my other accounts ??? I was going to work out the charges on my husbands account and my other current account with them should I do this all at the same time or do just the one at first ????? Thanks Claire