Just received a letter is this usual? Guess what, it is

[ppauls150]

The best one has to be the first of these that we receive back.

• "We are happy to waive any fees for production of this information (and we return your payment enclosed with your request)
  
• If you are not satisfied with the bank's response you should now refer your complaint to the Financial Ombudsman Service, as this is represents our final response on this matter... LOL (Please take this action they are saying and not court action as we will win if you go to the FOS LOL)
  
• WE MAY charge a fee for reviewing your account which is to cover our management and administrative costs
  
• We will not be refunding any fees charged. If you wish to take this matter to court, that is a matter for you and you alone. We will defend any action taken and will enter into no further correspondance regarding this matter, but will pass your county court summons to our solicitors to deal with. (so i do this and the next thing i recieve is a full refund with just a note saying with Compliments:smile:)

[kevb0444]

These little gems came from NatWest (well Stuart Higley and Michael Duncan)

 

We are concerned thet the OFT has publicly called into question the setting of charges....(i bet you are)

 

The OFT has restricted its investigation to credit cards and made no attempt to consult with the RBS group or the industry in relation to other entirely different products. (hmmm if you say so)

 

I can find no instance where charges have been applied when they were not properly due. (i can....quite a few)

 

I note your proposed course of action. I have alerted our lawyers and litigation department accordingly. (thanks)

 

We do not accept that our charges are unreasonable, unfair or unlawful but on the contrary are applied in strict accordance with our published tarrif...(ok....then why did you give me my money back then)

 

 

Oh well....

[Joa]

From Egg:

"The claimant is put to proof that her loss as result of charges is £166.75 as alleged"......errrrmmm....you take £166.75 from my account and you want me to prove my loss of £166.75 ??

Lord, give me patience!

 

And from NatWest:

"We cannot agree to refund these charges as we have made gesture of goodwill to you before"

 

Huh? Ejets.

 

 

And the all time classic:

"Our charges are published."

 

And?.....

[michelle73]

We are sorry you are unhappy and we aim to respond to you sometime in the next 13 years. Hopefully by this time time you will either;

 

a) have got bored and given it up as a bad job

b) left the country and forgotten all about it

c) won the lottery

c) have died

 

In the mean time, please find the enclosed leaflets and I hope that by the time you have read them and had a translator and solicitor go through them, the laws will have changed in our favour.

 

This is what they really mean!!

[nathal]

i am sorry you have not accepted our generorous offer

[kokomar]

Thank you for getting in touch with us. (You're welcome!)

[Keith22]

Since we are bound by the Ombudsman's decision but you are not, it seems to me that going to the FOS remains a cost-effective way, in many cases, to arbitrate a mutually acceptable resolution to a concern.

 

I'm sorry you remain unhappy

 

I have reviewed your complaint in the light of the additional comments you have made but do not feel that they materially change our position

[elsinore]

Although we feel £20 is a just fee, we have reduced our charges to £12 so we are in line with our competitors. Go on! and they reduced their charges to be in line with you. How sweet!

 

Elsinore

[MARTIN3030]

Although we feel £20 is a just fee, we have reduced our charges to £12 so we are in line with our competitors. Go on! and they reduced their charges to be in line with you. How sweet!

 

Elsinore

 

except the HSBC .........who still charge 30 quid for an unpaid cheque !

[Shelly_ann]

THE FEES WE CHARGE FOR GOING OVER AN OVERDRAFT LIMIT AND FOR RETURNED PAYMENTS ARE NOT ANY KIND OF DEFAULT PENALTY. THEY ARE FIXED STANDARD PRICES FOR THE SERVICE WE PROVIDE IN THESE SITUATIONS.

 

Thats nice

[Gary29]

I wish they'd print those leaflets they send you with there "bog-off" letters on softer paper, I might be able to find a use for them then.

 

[jb79]

A full report or and UPDATE of our PROGRESS will be sent to you in eight weeks. (not even an answer)

 

These statements are therefore not retaines in a relevent filing system.......The information is complete in respect of the above account at the time of extraction (smaking great contradiction there, Time of extraction not request????)

[jb79]

We trust that customers understand these terms and conditions when entering into this legally binding contract with us. (no I didn't...... but I do now!!!!! )

[redsue]

"thank you for you letter...we are currently dealing with your complaint..."

 

What complaint?

I only popped a £10 cheque in the post along with a S.A.R - (Subject Access Request)... no complaints from me my friend - I haven't totted up the charges yet...

[MARTIN3030]

"thank you for you letter...we are currently dealing with your complaint..."

 

What complaint?

I only popped a £10 cheque in the post along with a S.A.R - (Subject Access Request)... no complaints from me my friend - I haven't totted up the charges yet...

 

Ha Ha .......they are obviously trying to get on top of their game......amazing...

 

After the number of letters they have had for Sars tho.......they may just have started to put two and two together now....................

[woodpecker01]

:o From Natwest.

I refer to your concern regarding the closure of your accounts. To progress the resolution of your concern I thought I would write to you. (Are they saying they was`nt going to write back).

[stenicki]

Our research is taking longer than expected because we want to make sure a full investigation is done! ( we havent got the staff to cope with the huge demand of people claiming back THEIR money)

[Armsoft]

"Thank you for contacting us and I am sorry that you have been so unhappy (too dammn right I`m unhappy!) that you have felt you must complain"

 

"High quality customer service is of great importance to us"(Don`t make me laugh)

 

"Although I do not know what the outcome will be (I do, want to share my crystal ball??), I do hope that we will be able to find a solution that you are happy with" (I hope you give me my money, and stop trying to give me the run around)

 

"We will write to you in 4 weeks time to let you know what is happening" (Don`t bother, I`ll be writing to the court in 14 days, then they will wite to you, see how you like that!)

[MARTIN3030]

We know this might not be the response you were expecting...........Actually it WAS the response I was expecting...........the same letter has gone out to 1000s of others............ :lol:

[Thailand]

I know I'm not alone on this: 'The charges constitute payments the client agreed to make by reason of the terms and conditions of her account' amongst others.

 

Now I know I have boobs, but they're manboobs!

[Joa]

I am sorry but I thought i let you know; this is better then any comedy on the telly!! I think I wet meself! lol

[fighting_back]

Some gems I've received recently:

 

The offer is made without admission of liability on the part of (but you're paying up nonetheless out of the goodness of your heart)

 

We view our terms and conditions as fair (yeah, right)

 

We have always set out precisely what our charges are (but we don't care whether they are legal)

 

Our charges that you agreed to are valid, fair and enforceable (prove it)

 

I enclose a copy of 'Our Commitment to You' (we will charge what we like and close your account if you're not happy)

[muggins73]

I really liked this one...

 

'I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and troble to contact us'......

 

from no other than the condescending **** Stuart Higley

[ED1237]

A response from my bank implied it did cost £39 for an automated letter via e-mail. Are they using a premium rate dial up service???

[lickthewallfatboy]

"your account has not been operated to our satisfaction,

so it is being closed on such and such a date."

 

Now put your stuff in a big bag and feck off!!