Royal Bank Of Scotland Charges

[davefirewalker]

Local branch is fine

 

Dave

[Soad]

I received a letter yesterday from RBOS after sending the Data Protection Act Subject Access Request on Monday which was signed for on Tuesday

 

Its pretty standard saying we apologise for your dissatisfaction but we believe our charges are fair, reasonable and transparent, but as gesture of goodwill they we refund £371.00 if I sign the letter as full and final settlement of all claims relating to charges!!!

 

I don’t think so, should I answer the letter saying no thanks or just ignore it, or will they forget to send my statements if I did not acknowledge this letter

[Guest willowb]

Hi Soad

 

Why not tell them that you'll accept the offer but not as a full and final settlement? inform them that you'll accept it as a part settlement and that you will be persuing the rest of the money through the courts if they do not settle the full amount with you.

 

Good luck

Wxx

[Soad]

If we have gone overdrawn (our fault – not the bank’s) and the bank charges an interest payment to our account do we just have to accept the charge or can we still claim that the amount of the charge is extortionate and say, claim half or something of it back?

[Guest willowb]

You can only claim back overdraft interest IF unfair charges have placed you in overdraft. For example, if for one month you are £500 overdrawn but as yet have not had any charges to the account then the interest they charge you isn't re-claimable BUT if the £500 consists of charges then you can claim a percentage of the interest charged back.

 

To be honest, what I did was start to claim back the interest that they had charged when the overdraft reached a certain point and amounted to the charges total. So, overdraft = £300 and charges = £300. The account sort of ran in parallel after that so it wasn't too much to work out.

 

It's up to you though......bloomin'eck I hope that made sense :>(

 

Wxx

[Soad]

Just received a letter yesterday saying that they feel the "charges are fair, reasonable and transparent, they consider that the amounts debited to my account have been applied strictly in accordance with my agreement with them and are satisfied they comply with applicable laws and regulations". (Standard letter eh?)

 

 

Against background, we must differ with the views expressed in your letter.

 

However we have taken the opportunity to review the charges applied to your account and as an exceptional matter we are prepared to refund £1112.00 as a gesture of goodwill

 

Acceptance of this will be in full and final settlement of all claims and they want me to sign the letter as well

 

Shall I just ignore this letter or acknowledge it and say I will be going to the next stage with a letter demanding full settlement before action