hmmmm, theres the sticky part, i corrected all the data and the figures were correct but i didn't make mention of it, the lba letter just pointed out the new figures and what they were for and the shedule had all the correct data on it. Any thoughts ? Oh and one more thing you may find amusing is that they stated , we refer to your letter of 8th december 2007 (damn they can see into the future), should have been 8th march.

try here:- http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

One more point i should have mentioned at the beginning is that i made a slight cock up at the beginning of my claim by sending the wrong shedule of charges (had the 8% column still on) and asked for the wrong amount in the prelim letter. Once i had fully researched the matter i corrected the shedule and asked for the outstanding charges plus the overdraft interest. the difference between the two was around £200, from my understanding this failure to get the process right first time can jeopardise a succesfull court case, is this correct and if so would you recommend i settle now. thanks again for the advice. regards ttl2004

Hi guys, Thanks for your replies, The £6500 includes £888 of overdraft interest charged to my account, i have not included the 8% as per instructions in this forum. I have to say being within £1,000 (excluding interest charged) seems a fairly reasonable offer considering it's their first. Is this the norm for claims of this size, or is their no way of knowing what the norm is?

Hi guys, I am currently 5 months into my claim from RBS (long time partly down to me). I have recently sent my letter before action letter for a total of £6,500 including overdraft interest. They have subsequently offered £4,700 clearly stating that this excludes any interest paid. Two points to mention. 1. should i accept the offer ? 2. they have stated that it is to paid into my account where i have a £2,900 overdraft facility which is always close to it's limit. which is fine but my concern is , are they allowed to subsequently withdraw my overdraft facility at their whim. regards ttl2004

Hi all, I'm new to the forum and only found out about reclaiming my bank charges through a friend of a friend. After approx 3 weeks from the start of the process with RBS we have now recieved our 6 years worth of statements. After about 2 hours it now turns out that after subtracting the incidental amounts they have already refunded (maybe ou of conscience but i suspect not) they appear to owe us £5,000.84p a really strange amount i know but still a substantial amount. I have now composed our adapted request by letter for a full refund but have not requested any refund of interest. Is this correct ? , i have assumed it's correct as i have seen a number of posts stating that you claim it back if you go to court. Look forward to any advice anyone can give about dealing with rbs. PS. I have compiled a full breakdown of the charges on an excel spreadsheet, is it worth sending this with the letter ?