Royal Bank of Scotland (merged)

katierose

Stick to you,re time scale not theirs,they are using their stalling tatics.

gimmemymoney!

Hi all,
I have sent off my letter claiming back charges from Halifax/Bank of Scotland. They have replied today stating that they have reffered my complaint to their Customer relations Officer and that the Financial Services Authority allows them eight weeks to investigate complaints.
Do I have to wait this time before sending the next letter threatening to go to court?
Appreciate any advice please!

missc_3

just go by what you have put in your letters NOT what the bank advise you i.e. 1st letter gives them 14 days to give you your money back
2nd letter gives them 14 days then court action
then do court action.

just stick to your own timetable thats what im doing.

sent my 2nd letter to tsb and they have until 10th to sort it out - if not im going straight to the court stage

Helsbells38

Hi all,

Just wondered whether someone could tell me if the Halifax had done the following with anyone else.

Basically back in January I sent a letter requesting charges details on a current account and a CC. After many phone calls and getting frustrated with packages of statements arriving (eventually) that werent what I asked for or duplicate of statements they'd already sent, I eventually got 2 lists of charges.

The request for CC charges was sent back first and I've since had a letter saying no we arent paying so I sent the "if i dont hear satisfactorily in 14 days etc etc" letter, not heard anything yet.

My query is with the current account claim, I sent the letter detailing charges on 21st March. Original letter asking them for details was sent in January as I said, so its been a while. Anyway received a letter today from the Halifax with a leaflet informing me that they are within their rights to take upto 8 weeks investigating my claim

I know that this is different from the timescale given in the letter that we sent them. I just wondered if anyone else has had the same response from the Halifax or whether they are purposely dragging their heels now because of the ruling expected in April?

Thanks for reading
Sharon

Penny2myName

I think all us Halifax users now get the standard 4-8 week letter, you can still proceed in your time limit of two weeks though.

Helsbells38

Hiya,

Thanks for the response, its good to know others are getting the same response from them, I will phone them next Tuesday (14 days) and if they palm me off (that should say WHEN not IF) I will then proceed further with it.

Icey

trina1 wrote: »

royal bank of scotland has sent us a letter saying that they are going to give us our money back and it is going to be paid straight into our account. Can anyone tell me how long this usually takes. Thanks

I was going to ask the same question.

I have sent my letter back saying i've accepted their offer of the full amount and wondered how long it will take for them to put the money in my account?

olly300

callumm1978 wrote: »

Does anyone know if I can claim using MCOL. I live in scotland and bank with BOS and RBS I am caiming money from both banks. Both accounts were opened at Scottish branches.
I noticed that you need a mailing address in England to use MCOL. I have friends who live there so I could use that as a mailing address.
Would this allow me to claim via MCOL and would this have any adverse affect on my friends using thier address for such a claim?

Nope.

You can use anyone else's address for correspondence as long as you have their permission. Companies who chase people for debts etc go on surname so as long as your surname is different there won't be any problems.

mattlfc79

All,

I am helping my parents get their bank charges refunded to them. They are trying to claim approx £2200 (including interest) from Lloyds TSB!

They recieved the following letter after 13 days of sending in the template letter and evidence available on the main site. It reads:

"Dear Mr and Mrs XXXXXXXX

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

Like any business, we do make a charge for some of our extra services. When customers dont have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell the customers we cant agree it. We feel its fair to charge for this service.

Of course its only fair too, that we are completely open about any charged-for services before you might need them. Thats why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile.

If you know a payment is going to take you over your agreed limit, your welcome to see if theres anything we can do.

The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. This doesnt apply to your charges as these were for dealing with your request to go over an agreed overdraft limit. They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations.

I do hope you can see that we make our charging system as fair as possible -
and why I cant agree to cancel your charges.

I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide you with the details of the financial ombudsman service so they can consider your complaint independently.

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by 09/05/2007 I will close my file, though of course I will re-open it should you come back at any point afterwards.

Yours Sincerely

XXXXXXXX"

My parents are thinking of stopping after this letter but I have told them to send the letter threatening court action to the bank. Has anyone else had this sort of response from Lloyds as they dont want to go to court if they are likely to loose!!

Thanks people and I look forward to your responses!!!!

Matt

adrianbrak_2

mattlfc79 wrote: »

All,

I am helping my parents get their bank charges refunded to them. They are trying to claim approx £2200 (including interest) from Lloyds TSB!

They recieved the following letter after 13 days of sending in the template letter and evidence available on the main site. It reads:

"Dear Mr and Mrs XXXXXXXX

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

Like any business, we do make a charge for some of our extra services. When customers dont have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell the customers we cant agree it. We feel its fair to charge for this service.

Of course its only fair too, that we are completely open about any charged-for services before you might need them. Thats why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile.

If you know a payment is going to take you over your agreed limit, your welcome to see if theres anything we can do.

The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. This doesnt apply to your charges as these were for dealing with your request to go over an agreed overdraft limit. They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations.

I do hope you can see that we make our charging system as fair as possible -
and why I cant agree to cancel your charges.

I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide you with the details of the financial ombudsman service so they can consider your complaint independently.

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by 09/05/2007 I will close my file, though of course I will re-open it should you come back at any point afterwards.

Yours Sincerely

XXXXXXXX"

My parents are thinking of stopping after this letter but I have told them to send the letter threatening court action to the bank. Has anyone else had this sort of response from Lloyds as they dont want to go to court if they are likely to loose!!

Thanks people and I look forward to your responses!!!!

Matt

copy the second letter off martins site and send them that one. It really does work you know, I got £1900 back from Halifax last week and they were eagler to pay:j :j