That's what I'm doing - what dya think of this: Dear Mr Douthwaite Thank you for your letter dated 24 May 2007, and thank you for your gesture of goodwill to return my bank charges back to me. However, in the letter that I sent to Sandy Watt on 18 April 2007, I stated that my total bank charges had since exceeded £765.00 and now stood at £889.00. I have included the copy of the spreadsheet that I sent to Sandy at the time. I recently called you to discuss this and I instead spoke to a kind lady who simply said that I should note this when returning my settlement offer form and the extra charges would also be refunded. I have noted this on the settlement form, so I now require repayment in full of £889.00. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest without further notice. Yours sincerely, The Pigeon ====== Now, do I need that last sentence? Also, shall I include anything about not accepting their terms and conditions? Thanks.

I know, but am I ok to literally re-word the letter I'm supposed to send back? Should I cross out 'full and final' and write 'partial' above it?

No, it's not interest, I've not bothered with interest at all. I called Mark Douthwaite to discuss the offer of settlement and I instead spoke to a lady who said all I needed to do was note on the settlement offer that my claim was now £889 and they would return the extra charges!

Hi there. I received an offer of £765 from RBS and they included a simple form to send back to them. I had to tick a box which read 'I accept your offer in full and final settlement of my complaint' and sign underneath that. However, my claim was for £889. It was originally £765 at the prelim stage, but increased to £889 at the LBA stage. Should I tick the box and 're-word' the text for them? Or should I just ignore the form altogether and write my own letter? Cheers.

Cheers BV, you've been a big help.

UPDATE Just called RBS Customer Relations as on my settlement letter, Mark Douthwaite wrote that I should call him to discuss the offer if necessary. So I did - he was unavailable so I spoke to a kind lady (should have got her name come to think of it) and she said that on the acceptance form that came with the letter, I should acknowledge the further charges since my preliminary claim and they will take those into account! Sounded very simple, very happy with that though. So, the offer was £765 but I should be looking at getting £889 back

But what about the recent TSB case? I don't wanna risk losing the current offer.

RESULT! My mum just called me at Uni, said some post has arrived back home from the RBS. They've made a settlement offer of £765.00 which was my original claim back on April 3rd. At the LBA stage, my charges were £889.00 but I reckon that I'm gonna take the money and run. £765.00 is a lot to me and with the recent hoo-hah over TSB and their court case, I was concerned that I may never get a penny. Thoughts anyone?

Anyone?

Hi everyone, not heard from bank since my previous post and not carried out LBA threat yet. Left it a couple of weeks longer because I've been too busy with exams, but I'm now worried I've left it too late following the news about the TSB court victory Advice please!

Had another letter back from Sandy Watt, exactly the same as the one I quoted in post #7. Suppose it's time to carry out my LBA threat...

Cheers Bigmac, wouldn't fancy going to court but if that's what it ultimately takes, then I'd do the research. Hope it's all settled before then though.

Spoke to my bank on Friday about some new charges which had pleasantly arrived whilst I'm in the middle of a claim, and I asked the assistant if they'd be willing to refund me these new charges 'in branch'. He said, a little shakily, that the new charges couldn't be refunded and if I was successful with my current claim then I would be agreeing to the terms of the refund which meant that I couldn't get charges refunded ever again - if I tried to, my account would be closed. I said when my money returns to me, I will be accepting it without any terms thank you very much, and he just stuttered and said...well, well, that's something you'll have to agree with head office...... So, I was wondering how people have gone about accepting their money back without terms? If I received a letter offering me a full repayment but it had terms on it that I didn't agree with, what would I do? Has anyone had their accounts closed? Cheers - The Pigeon.

LBA will be sent in the morning to Mrs Watt.

Hi everyone. Since I sent my preliminary claim on April 3, I have had about another £150 in charges. I'm due to send out my LBA on Tuesday/Wednesday and I was wondering if I can include these new charges in an updated spreadsheet? Also, interestingly, I spoke to my bank on Friday about my new charges and I asked the assistant if they'd be willing to refund me my new charges, as I'm already in the middle of a claim and have had contact with head office about them. He said, a little shakily, that the new charges couldn't be refunded and if I was successful with my current claim (before I received these new charges of £150) then I would be agreeing to the terms of the refund which meant that I couldn't get charges refunded ever again - if I tried to, my account would be closed. I said when my money returns to me, I will be accepting it without any terms thank you very much, and he just stuttered and said...well, well, that's something you'll have to agree with head office......