Dear all, Got onto this site from MSE and can't say how much hope it has given me. I started proceedings against RBoS 23 May and have now go to the 1st Offer Letter. I calculate that I have been charged over £3000 and I have been offered £1687 in a letter as follows: "Thank you for your letter of 23rd May 2006 and I apologise for any dissatisfaction caused by the application of charges to your account. We believe that our charges are fair and reasonable and transparent. We consider that the amount debited to your account have been applied strictly in accordance with your agreement with us and our published tarrifs, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products. Against that background, we must differ to the views expressed in your letter. However, we have taken the opportunity to review the charges applied to your account and as an exceptional matter we are prepared to refund £1687 as a gesture of goodwill. Acceptance by you will be in full and final settlement of all claims you may have relating to our charges. (Final Para) However, our Terms and Conditions will continue to apply and any charges that accrue in future must stand. Thank you again for taking the trouble to write and I hope that your concern is resolved to your satisfaction." My overdraft limit is £3500 and I am trying everything that I can to reduce my outgoings (going through divorce at same time hence poor financial state), but charges seem to snowball. I pay £12 per month for a Royalties Gold account (which I will be changing in the near future as well as starting up an A&L account), but I just need a confidence boost. Is this letter from RBoS not admitting liability and flying in the face of OFT rulings? I will obviously refuse this offer of £1687 but what should my next move be?

I have been wearing contacts for a couple of years after moving on from speks (fed up of them fogging up/getting dirty/not looking right with hats etc). I started out on Focus dailies and moved on to their weeklys and monthlies. I get mine from the site recommended by Seylectric, they are just about the cheapes around, they also have samples for you to try if you are not sure what you want. Also, I get the Boots or B&L eye refreshing drops. They come in individual pipettes which help to unstick eyes and just give your eyes a quick boost of liquid and do refresh. I work outside & for long hours in 'dangerous' environments and they really help (also allows daily contacts to last well into the night if you're out on the town!!) Rgds:cool: