Royal Bank of Scotland (merged)

iwilldoitthistime

Hi

I wrote to Mint at the end of March requesting £652 back. I received a letter at the beginning of April offering me £188 which they said was the difference between the amount I had been charged and the new amount of £12. I wrote back on 10 April saying I did not think this offer was reasonable, and if I didnt hear from them in 14 days I would go to court.

I have today received another letter from them offering £188 again. they are re-iterating that this is the banks final response to my claim and that if I am still dissatisfied, I should refer my case to the financial ombudsman.

What should I do now? should I just continue with the timetable and do MCOL, or should I contact the ombudsman? What do you think?

Any ideas / opinions welcomed!

thanks

sue1958booth

just got £3320 from rbs as goodwill into my account, thanks to this site, still waiting for an offer on our other account

donfor

sue1958booth wrote: »

just got £3320 from rbs as goodwill into my account, thanks to this site, still waiting for an offer on our other account

Well done! may I ask how long the whole process took?
Thanks

gill5blue

pigsmightfly wrote: »

I am claiming for 2 Visa credit cards that I used to have with RBS which are now closed.

I sent my original letter asking for statements to

Royal Bank of Scotland
Data Protection Team
36 St Andrews Square
Edinburgh
EH2 2YB

However, the replies came from

Royal Bank of Scotland
PO Box 6050
Southend on Sea
SS99 1WL

which is the address I am dealing with now.

They will pass the letter on for you if it does reach the wrong department though

Hi,
THANKS FOR THE HELP
I have just started claiming from RBS it is an old closed account and I thought I would try this first and see how I go. I am feeling positive and if this is succsesful I will gain in confidence to tackle the rest.
I have the very last statement and I requested the 'whole history of charges'
this means claiming back further then 6 years.

pigsmightfly

gill5blue wrote: »

I have the very last statement and I requested the 'whole history of charges' this means claiming back further then 6 years.

You can't claim for more than 6 years back

Gnomes

I am asking on behalf of my fiancee.

He is claiming back bank charges from RBS, has sent 2 letters stating the amount and interest, and giving them 14 days notice, anyway 14 days came and went, and he had heard nothing back, so I told him to phone RBS, after speaking to them, ( very nice and very easy) 10 days later, he receives a letter offering him, £3680 without interest, great!! apart from he is claiming £4788 inc interest. Difference of £1'108

He is thinking of accepting this, I think he should not, but he is worried about court.
So the question is,
1 - Should he call them again and try to get all his money back or
2 - accept the offer or
3 - Go all the way to court

Thanks for your help

rimbo_2

Hi i'm just at the first stage sent letter to ask for a run down of bank charges
i think you should refuse lookin at at the success stories
but it's upto you good luck with what you decide:money:

nickmack

Gnomes wrote: »

he receives a letter offering him, £3680 without interest, great!! apart from he is claiming £4788 inc interest. Difference of £1'108

He is thinking of accepting this, I think he should not, but he is worried about court.

How much is the claim without interest? Remember you are not entitled to interest unless you file a court claim.

If what they're offering covers the charges in full without interest, you must accept this offer. If it is less, you can either accept or proceed to court, it's a personal decision.

sue1958booth

started on 12th february, money in account on 11th april, so just about 8 weeks, have just sent a letter about our other rbs account today though threatening court again

sue1958booth

i think if they offer the charges without interest it gets settled much quicker otherwise you have to go to court, which you can of course and i think everyone has won but it takes much longer