What to do next??

ADIE2805

I have been trying to find an answer to this on another forum but to no avail.
I would like to know with what sort of letter I should respond to this from RBS.

Thanks

Please quote our reference when replying Our Ref:
Dear.
We refer to your complaint relating to unarranged overdraft charges which was previously on hold under the terms of the FSA Waiver. The Waiver has now lapsed and we are therefore writing to you to respond to your complaint. We consider your complaint to have been about the level and, accordingly, the fairness or lawfulness of these charges.
As you will be aware from when we last wrote to you, we (with several other banks) entered into agreed legal
proceedings with the Office of Fair Trading in relation to unarranged overdraft charges on 27 July 2007 to
gain clarity on this issue. Following the judgment of the Supreme Court on 25 November 2009, the test case
process is now complete. _ __ __ __ _ _. ___
In our view, the judgment of the Supreme Court means that the level of the unarranged overdraft charges you have complained about cannot be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 or challenged under the common law penalty doctrine. We do not believe that there is any other legal basis on which the level of these charges can be challenged.
We are satisfied that the charges you seek to reclaim were properly charged and the outcome of the legal proceedings confirms our position. We are therefore not upholding your complaint and will not be refunding the unarranged overdraft charges you have complained about.
We are happy to address any questions you have arising from this letter. You may find these answered by our website at the following link www,rbs,co.uk/overdraftchargesupd3ie. If your complaint does not relate to the level and, accordingly, the fairness or lawfulness of these charges then please let us know by contacting us setting out the details so we can consider this further.
If after this you remain dissatisfied, we will provide you with details of how to refer your complaint to the Financial Ombudsman Service.
If we do not hear from you within 8 weeks of this letter we will regard your complaint as closed.
!f you have any questions or wish to discuss any of the above with one of our members of staff, ptease call us on 0845 3030 442. Lines are open 9.00am - 5.00pm Monday to Friday or 9.00am - 1.00pm Saturday.
Lyn Kirkland
Senior Centre Manager
Yours sincerely,

natweststaffmember

What did you write to them(please remove your personal details.

ADIE2805

Thanks for your reply.
My claim for bank charges as been on hold with the courts since 2007 and this is their latest letter regards that claim. I have got about 2week's to respond so I would really appreciate what to write in response??

Thanks

natweststaffmember

ADIE2805 wrote: »

Thanks for your reply.
My claim for bank charges as been on hold with the courts since 2007 and this is their latest letter regards that claim. I have got about 2week's to respond so I would really appreciate what to write in response??

Thanks

Nothing because the letter is not from the courts. What does the terms of your stay with the court say? If you don't know, then call them and ask. ok?