ttl2004
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Posts posted by ttl2004
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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
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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?
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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
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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 ?
First offer from RBS should i take it.
in Royal Bank of Scotland
Posted
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.