Royal Bank of Scotland (merged)

Tiglet

I'm just about to start court proceedings against RBS for credit card charges. I've been dealing with their office in Southend - is this the same address I use with MCOL? Also, is a PO Box no. ok, or does it have to be a real address?

superflysly

Hi, my partner and I are currently trying to reclaim our bank charges. I have gone through the process of sending letter 1 and letter 2. 2 weeks after sending letter 2 my partner recieved her money back as a "good will gesture" on the same day I recieved a letter saying that they are looking in to my "complaint" and they would be in touch by the 5th of april (1 month after being told that they will look in to it), Today is the 5th of april I recieved a letter saying that they are still reveiwing it, they would be in toch by the 2nd of may. Is there anything that I should/can do? Why are they stalling with mine and not my partners? Mine is about a £200 higher.

nickmack

superflysly wrote: »

I recieved a letter saying that they are looking in to my "complaint" and they would be in touch by the 5th of april (1 month after being told that they will look in to it), Today is the 5th of april I recieved a letter saying that they are still reveiwing it, they would be in toch by the 2nd of may. Is there anything that I should/can do? Why are they stalling with mine and not my partners? Mine is about a £200 higher.

You shouldn't have waited this long, you must not let them dictate the timescale. Send the Letter Before Action now threatening court and allowing them 14 days. Then, if they don't make a full offer, file the court claim when this time is up.

Chief_Inspector_2

Hi I am a newbe as you can probeblly tell but I would like some advise I have already sent letter 1 to the Halifax on the 28th of feb 007 and as yet no reply it is the same with my wive she sent her letter the next day to the bank that took over the Halifax and she has had no reply either is this a common thing or will they still answer if they do not what do we do next.

rimbo_2

Hi just about to send off my first letter to rbs
asking for the last 6yrs bank charges
I'm a bit nervous:eek:
also can any one tell me what a referral charge is and can i claim this back seen
this on my statement a few times

rimbo_2

Chief_Inspector wrote: »

Hi I am a newbe as you can probeblly tell but I would like some advise I have already sent letter 1 to the Halifax on the 28th of feb 007 and as yet no reply it is the same with my wive she sent her letter the next day to the bank that took over the Halifax and she has had no reply either is this a common thing or will they still answer if they do not what do we do next.

Was the letter to ask for bank charges they made
over the last 6 yrs

Tiglet

Chief_Inspector wrote: »

Hi I am a newbe as you can probeblly tell but I would like some advise I have already sent letter 1 to the Halifax on the 28th of feb 007 and as yet no reply it is the same with my wive she sent her letter the next day to the bank that took over the Halifax and she has had no reply either is this a common thing or will they still answer if they do not what do we do next.

They have 40 days to respond to your request. After that time you can refer it to the Information Commissioner. I understand that many banks are in the habit of making you wait the full time (mine took 38). Either that or they're just snowed under with requests

BTW, I think you may have posted to the wrong thread - Halifax is part of the same group as the Bank of Scotland, not the RBS. Also there's a thread specifically for Halifax charges (though I'm sure you'll get an answer wherever you post)

16cat1980

Can anyone help? I wrote to Halifax 10 days ago to reclaim my bank charges using the MSE template saying they have 14 days to respond. I recieved a letter this morning saying that they are very sorry I am unhappy with my bank charges but the Financial Services Authority gives them 8 weeks to investigate and respond to complaints. Are they allowed to string it out that long or can I send them another letter straight away?

I'd appreciate any advice!

reubens2007

Hi All,

I've been with RBS for 8 years and for as long as I can remember, I have had either a Royalties Gold or Royalties account which charged 12 or 8 quid (sorry pound sign doesn't work!!) a month. This would give me preferential rates on loans, free travel insurance, discounts on restaurants ect. None of these 'benefits' would be of use to me.

My question is, would I be able to claim these 'charges' back in the same manner as the overdraft charges.

I know this may sound greedy but, if you add up all these charges it comes to around 800 'quid'!!

Thanks

Reubens

Twinkly

16cat1980 wrote: »

Can anyone help? I wrote to Halifax 10 days ago to reclaim my bank charges using the MSE template saying they have 14 days to respond. I recieved a letter this morning saying that they are very sorry I am unhappy with my bank charges but the Financial Services Authority gives them 8 weeks to investigate and respond to complaints. Are they allowed to string it out that long or can I send them another letter straight away?

I'd appreciate any advice!

You dont have to stick to their timescales no. They have entered you into their complaints procedure which is their own timescales and laid out by the FSA. You are following a court process and all that is needed then is to give them plenty of time to respond and be aware of impending court action so you're fine. Press on with the process laid out in the timescales on this site and good luck