Question re RBS Settlement Letter

[madmels]

They have agreed by letter (dated 18/10/06) offering as a gesture of goodwill after I refused their first offer. It states that their terms and conditions will continue to apply and any future charges in the absence of bank error will apply.

 

Received letter from their legal department today (dated 20/10/06) referring to the court action I've raised. Stating the bank does not accept that it has any liability to you in law or that your claim has any prospects succeeding in court.

 

Both letters are from different people and different addresses. Kinda confused as to what to make of both letters.

[breadline]

Hi Madmels.

I havent hand much experience in teh Scotland section.

 

the procedure in other banks would be...

 

If you want to take the new offer cross and adjust the sentences that make terms and conditions.

 

so it reads you accept but with no terms and conditions.

 

Make a copy, send a copy of the adjusted offer and your acceptance and send it to the legal section.

 

you could phone the legal section if you wanted to, and advise you have an offer you are happy with but only with out conditions. ( but still send letter to back up your conversation)

 

Either way you are holding an offer, it still gets deducted from your amount of claim, while you persue the rest.

Or

You accept and close the claim once you have the settlement cash.

 

i will request for your post to be moved to the Royal Bank of Scotland Section. then you can get soem more feedback form other users.

 

Bl:)

[madmels]

Should I still send it to the legal section although the adjusted offer didn't come from the legal section, it came from the customer relations unit and it's the full amount that I claimed that they are offering.

[breadline]

I would think no matter who sent it the bank have offered it, its an offer in writing, can't see how they can go back on it now, maybe they could say its not offered with out conditions. thats something only you can consider accepting.

 

If its the full amount then give legal a ring and tell them you have the offer, it will shut them up, id love to be in your shoes

[Guest ian cognito]

Standard stuff I think, some add more conditions than this when making an offer i.e. add in a confidentiality clause or say you won't make any further claims, but they are never going to drop charges unless they are made too. Don't see that these conditions make any difference.

[weej]

just a quick note....even if you agree to future charges, you can still go on to claim them back as this is your basic right under law and you cant sign that away.

 

That said, why bother complicating things? Just score out the conditions and return the form. Chances are you will get the cheque anyway as they wont want this to go any further.

 

or......

 

You could just play cute and not return it at all and just ask them when the money will be in your account. Once its in, then return it.

 

Just a few options, but dont forget that para 1 above still applies.

 

J