Royal Bank of Scotland (merged)

curlyboy

I sent my first letter to barclays they duely replied with all my statements - i went through them all and sent them the 2nd letter requesting £800 - they replied within the 14 days but said " these matters take time and investigation and hope to have an agreement with 6-8 weeks " ?? agreement what does this mean i want settlement they bombarded me with jargon in the letter - what should i do - does it mean they will offer me an amount within 6-8 weeks ? ? ??? please advise - many thanks

Edinburghlass_2

No its a standard letter that all of the banks are putting out, you need to send your next letter now.

Natalieee_2

I Rang HSBC Today & The Lady Basically Told Me The FSA Guidlines State They have 8 Weeks & I Wont Get A reply Until After The 8 Weeks

So Angry Because I Cannot Afford To Start A Claim Until Next month & The OFT Ruling Will Be In By Then x

curlyboy

Edinburgh What Is The Second Letter I Send Pelase And What Advice Do You Give Me Please

markymoomoo

Natalieee wrote: »

I Rang HSBC Today & The Lady Basically Told Me The FSA Guidlines State They have 8 Weeks & I Wont Get A reply Until After The 8 Weeks

So Angry Because I Cannot Afford To Start A Claim Until Next month & The OFT Ruling Will Be In By Then x

i asked about this in another post and was told that the OFT ruling shouldnt make a difference to any claims currently going through so dont worry to much.

Natalieee_2

dot1980 wrote: »

I'm new to this so sorry if this has been answered before,
I send my initial letter asking for my bank chages back 2 weeks ago to HSBC total £2126.23 (that's including interest), I have received a letter back today saying they are looking in to the matter. I have just rang them as they don't give a date or anything as to when they will contact me again, I was told they have 8 weeks.
Is that correct or should I send the second letter saying I will take them to court if I don't hearing anything in 2 weeks?
Also do any of these cases actually go to court?
Thanks for any help

SEND YOUR NEXT LETTER NOW ... THEN WAIT YOUR WEEK AND GO TO COURT

HSBC SEEM TO HANGING IT OUT (AS THEY ARE DOING WITH MINE) IN THE HOPE THAT POOR PEOPLE (AGAIN LIKE ME) CANT AFFORD TO TAKE THEM TO COURT BEFORE THE OFT RULING .. OR CANT AFFORD TO TAKE THEM TO COURT FULL STOP!!

GOOD LUCK WITH IT ALL XX

AND NO I THINK 99% OF THE BANKS ARE PAYING BEFORE THEY ACTUALLY GET TO COURT HUN X

Edinburghlass_2

You'll find the template to the second letter, letter before action, in Martin's article where you give them 14 days to refund your charges or you will take them to court.

Edinburghlass_2

Your branch will do for the initial request.

curlyboy

many thanks sir, i will keep you posted

Tiglet

I've just received RBS's reply to my request for repayment of charges plus interest.

They have offered to pay me the difference between the amount they charged and £12 per transaction, but they have only offered to make a credit to my account (which I never use as I don't even have a card)!

I see no reason to accept this, so is my next step to send a final demand before court action? If so, do I have to allow them 14 days to reply?

They very helpfully sent me a booklet about complaining to the Financial Ombudsman Service. I presume that they would prefer this to being taken to court, but is it also something that they can bring up in court to say that I was being unreasonable if I didn't use it?