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RBS Visa Credit Card - here's hoping!


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Flushed with (partial) success from Barclays and a refund for my son, this is a bit more scary as the sum may be around £1000 when I have all six years of statements to check...

Sending statement request letter today to Southend-on-sea - just wanted to check that the Visa part of RBS is England based - not Scotland like the bank?

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Their head office is in south end on sea so pretty sure it is english based. I live in scotland and all the stuff still comes through from seos office.

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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  • 4 weeks later...

Statements all received, spreadsheet prepared - Is there anyone who can give a quick looksee at it as there is one bit of the interest on penalties which shows a much larger sum than all the other months - I must have done something wrong but can't work it out - Maths is not my strong point :( . I have downloaded the form and done it on my Excel - so how can i make it available to look at?

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  • 1 month later...

Hi - calling any maths minded members......!

I have got the letter all ready to send but have a blip on my spreadsheet - I repaid a huge lump sum of 8500 to clear my card and the interest on penalties amount has jumped from the usual £6/7 to £49.68 for that month only and then goes down to £8.42 - can somone have a quick look at my spreadsheet as I don't want to send it if it is wrong! :confused:

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You can send it to my email address if you like....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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pmd you back. Jump looks fine.....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Stumbled across a thread today which refers to the spreadsheets in circulation at present. It would seem the one you are using is not necessarily suitable for credit cards in the sense that the interest is worked out differently for credit cards. As you will probably be aware, credit cards give you x amount of days interest free, this is different to bank accounts who charge you from day one. As a result, the interest section is slightly flawed and as a result the amount that you questioned is slightly flawed as it should be calculated against the balance from the previous month, not the month it is charged in.

 

So I was right and wrong - in making sense of the formulas there wasn't an error and it was working it correctly, I just didn't put it into context (ie that you had a credit card), sorry! I shouldn't have jumped in and given it my endorsement, should have advised you to check with others, my bad.

 

I'm waiting for the credit card version to be released (very soon I believe!) here. In the meantime, if you have already sent your spreadsheet off, not to worry, you won't get a settlement offer at this stage anyway (not likely anyway!). Utimately, you probably need to wait for the CC version to be released, so if it's already gone off then you can either a) let the deadline run out and send them a fresh prelim letter with the revised spreadsheet (just saying you have revised your figures) or b) send your LBA off with a revised spreadsheet informing them of the calculation changes.

 

OR with a bit of luck, you haven't sent it yet ;)

 

Any help needed to sort this out, let me know.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Ok........you have sent it!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Just sent the charges amount with no interest calc - took it off the spreadsheet - so I can redo on the credit card one if I have to go to court and claim the 8%. Does this sound OK? Anyway - will wait and see what happens in 10 days time!

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  • 2 weeks later...

I have been looking at the RBS success stories - to give me a bit of hope - but there are not any for the RBS Credit Card - is anyone out there who has had success with the creditcard charges - as it seems to me to be a completely different branch - more like Barclaycard as it is the same address :confused:

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  • 3 weeks later...

Receved an offer today for £220 instead of the £696 I asked for - so not even halfway there.

 

"this figure represents a refund of the difference between our original £20 and the current £12 late payment charge and includes any associated interest charges."

 

So - should I accept as partial payment the money offered and carry on pursuing the full amount or say no and request the full amount?

 

Getting a bit scary - anyone been here who can tell me if they eventually give in?:)

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Your two options pretty much have the same end result - you going after the full amount. What you need to do is send a letter from the template forums saying you accept the offer as partial settlement but you will be going after the rest/

 

Don't be worried - there are absolutely TONNES of people how have had at least on offer they have turned down. The time to stop is when you have had a full settlement offer.

 

If you need some reassurances, go to the successes forum for any bank section and see how many people have had their full settlements having turned down 1, 2 or even 3 offers.

 

Keep at it and have faith ;)

  • Haha 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Just to double check - are the template letters the same for credit card claims as for bank claims? RBS visa is based at the same place as most visa cards - not the bank address.

Am about to accept money as partial repayment and give them 7 days before filing online to go to court.

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As the response arrived the day before the LBA expired and i was away for a few days so am responding a bit late, I thought I would give them one more chance and 10 days to respond before going to court (mainly because I'm a scaredy cat!). Also - when I put the amount owing - do I include the £10 data protection act money in the total or expect that to be added on?

 

The Royal Bank of Scotland

Credit Card Operations

PO Box 5747

Southend-on-Sea SS1 9AJ

 

Re: CARD ACCOUNT NUMBER: xxxx xxxx xxxx xxxx

 

Response to settlement offer.

 

I respectfully decline your offer of settlement and request, one final time, that you return to me all charges imposed on this account, totalling £xxx

 

In order to avoid Litigation against you, I am prepared to temporarily accept the sum offered as partial settlement on the clear understanding that the remainder is paid within the next 10 days. Failure to comply with this request will result in legal action against you for full recovery, as detailed in my Letter Before Action.

 

If you do not accept my conditions for acceptance, or you do not respond within 10 days, I shall commence legal proceedings. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

I trust this clarifies my position.

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Credit cards are only slightly different in their terminology - you aren't claiming for charges for overdraft fees but for credit limits.

 

Yes you include the £10.

 

As far as I know, you can continue with the same address, though have a look at the RBS contact address sticky in the RBS forum. I think Livelylad set it up...

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 2 weeks later...

Hi T4FF

 

What letter did you send to request the statemnts? Was it the standard letter for bank charges and could you please tell me what address you sent it to?

 

Thanks

 

Pirus

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Yes standard letter which you can find a link to in the user guide in the FAQ. As for what address, go back to the RBS section and at the very top is a RBS contacts post.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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hiya, i have a visa RBS credit card and i went through exactly the same as you. asked for £328 and received letter for £110. i gave them a second chance and they stood by their orginal amount. before i take them to court i dont know if the £12 is now legal so i am scared of putting myself in trouble. they claim that what they're offering you is the difference between the original £20 and £12.so they're only refunding you £8 of the £20 charges you incurred over the years. i kind of am slow cuz i need to research more before i decline or accept their full and final offer.

let me know how you get on if you went to court please.

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LU2, I've spotted a couple of posts from you now ;) Welcome to forums.

 

It is often best to ask your question (as I've seen a couple) in your own thread so that they are centralised and people can see the ins and outs of your claim.

 

In response, have a read of this...

 

http://www.consumeractiongroup.co.uk/forum/general/70359-about-oft-not-so.html#post605007

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 1 month later...

I wondered if it matters that I'm way past the deadline I gave for taking to court. My mum has been ill and I have had to put everything on hold till now. so it is over a month since their 10 days was up.

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