TheDean Vs RBS

[TheDean]

Bit late for that isn't it?

 

I'm not sure I understand what you are trying to achieve? Got to agree with MOTB, what benefit does this provide? If you don't hear from them, take it to the next stage, if you don't hear from them again, file a court claim, it's as simple as that.

 

You aren't achieving anything by doing this.

 

I believe the regulatory body is the Financial Ombudsmen who state that a bank must respond to a complaint within 8 weeks. Why would you want to speak to them?

 

Just interested who it was so I can do a bit of research. I take your point though T4FF. I'll end comms with Tommy as of now and file a claim on the morning of the deadline if nothing is recieved.

 

Thanks all for your support and guidance so far

[TheDean]

Well,

 

Here we are ladies and gents - The night before I take the Bank to court! I'm strangely excited actually! To date, I have had no letters from the bank in regards to the claim itself, which I think is shocking really! As you can all see, I've had a few e-mails from good old TOmmy - but that's about it.

 

I'll give him a bell in a bit and let him know where I'm at

[isidore]

Dean, from what I've picked up from other people lately, there are a lot of offers and such waiting in a pile at RBS for some stationary - what I don't know, a leaflet? an envelope? - I'm not entirely sure if it is stalling or genuine, but I kinda think Tommy is pretty genuine. It may be worth trying to get as much info from him as you may have a settlement on the way.

 

That of course does depend on whether you want to wait or whether you want to go ahead and get the extra money.

[TheDean]

Dean, from what I've picked up from other people lately, there are a lot of offers and such waiting in a pile at RBS for some stationary - what I don't know, a leaflet? an envelope? - I'm not entirely sure if it is stalling or genuine, but I kinda think Tommy is pretty genuine. It may be worth trying to get as much info from him as you may have a settlement on the way.

 

That of course does depend on whether you want to wait or whether you want to go ahead and get the extra money.

 

May as well get the extra Money. I called Tommy, but he was 'in a meeting'. I spoke to his PA, Jonathon Beckett, who was as helpful as he could have been and did seem to suggest that they were under a significant amount of pressure. I did advise him that irrespective of pressure, any kind of letter/e-mail/carrier pigeon advising me that they were looking at it, even a generic mail-shot, would have been preferable to nothing whatsoever.

 

Anyway - Off to court people so I can now whack on that 8%

[TheDean]

T4FF - Just PM'ed you

[isidore]

responded

[Seahorse]

Tommy could just have a look in their database and advise if an offer is on its way. Sandy did that (informally) for me the other day, and told me (again informally) what the offer would be.

 

Personally, I'd feel a bit silly if I walked into court, and RBS came in too waving an offer saying, yes, but we WILL be giving him the amount he's claiming as per his POC.

[TheDean]

Well,

 

I did speak to someone (before I got through to Tommy's PA) who advised nothing had been done whatsoever, but my claim did have a number and it was on their system - So God knows what they're playing at. I wonder if as soon as I file my claim they'll pay out asap?! Be funny that ehh?!

[isidore]

Have pmd you but am going to put a few bits of it on here to cover my own back....

 

You seem to have a few charges @ £10 that are charged at the same time each month. Are these royalties account charges? You aren't able to claim these if they are.

 

I would have a read of this and determine if you have attempted to claim for any charges that you shouldn't have.

 

If you are claiming charges you shouldn't be you may have to put the MCOL on hold and you may have to send out a prelim & LBA again with revised figures. Another option is to wait for the offer to materialise and see if it is close to your amended figures (minus any charges you shouldn't be claiming) and consider accepting it if it's close.

[TheDean]

Thanks T4ff,

 

I don't have a Royalties account so I think it's just coincidence that they charge me the same time on a few of the months.

The one question I would ask is on my statements I am charged interest ('INT'). Am I able to claim this back as well? Also, how can I calculate the 8%? Is it just a standard 22p per day?

[isidore]

If you haven't put it in at prelim or lba stage you can't really add that now.

 

As advised in pm, I would transfer your charges to mindzai's spreadsheet as it does the 8% calculations for you.

[TheDean]

Cool,

 

Thanks T4ff. I put all the INT's on my list of charges so it's all gravy

[isidore]

Cool,

 

Thanks T4ff. I put all the INT's on my list of charges so it's all gravy

 

:? Eh? That's not what I said!!

 

If you haven't put it in at prelim or lba stage you can't really add that now.

[TheDean]

I meant I had already previously added INT charges at both previous stages. This is really starting to drag on now.....still nothing from RBS

[superward]

I am at a similar stage Dean so I wouldn't be too dis-heartened by it all. Everybody who has sent the Prelim and then the LBA around the same time as us (dangler8, countryrbake, benn1) has still to receive anything back from RBS, even an acknowledgement, so I wouldn't worry that it is just your claim not being looked at or ignored.

 

Personally, I am going to give them a little while longer to reply. Here in Scotland we have been advised to go through the Ombudsman for claims over the £750 small claims limit anyway. Meaning I need to wait 8 weeks from the inital complaint letter so I have nothing to gain really from pushing them unfortunatley unless I want to settle for £750! Which I dont!

 

On a side note, I am claiming from FD and I have to say they did acknowledge my letter within a couple of days and say I would receive a decision within a further 10. They must not have as many disgruntled customers !

[TheDean]

Right!!!

 

Finally got an offer, which means we are getting somewhere - £617.32. I am going to reject it of course, but I am please the claim is moving forward at least.

 

Does anyone have a good letter they used to 'accept offer as part settlement only' please?

[Guest Mumofthreeboys]

Look here for the rejection letters http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

[TheDean]

Sent this:

 

Sandy Watt

Customer Relations

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh Depot Code 045

Response to settlement offer.

 

Dear Sandy

 

Thank you for your letter dated 4/05/07

 

I respectfully decline your offer of Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totaling £XXX.XX

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

I have been very disappointed with the way this claim has been handled up to this point by your team. I am aware that there is currently a massive influx of claims at the present time due to media coverage, however, I believe my claim has been handled particularly badly.

I have waited patiently, due the high demand of charge claims, for over 8 weeks now, and only the threat of court action forced an ‘offer’ by yourselves. I am aware of the pressure you must be under, but this is simply unacceptable in terms of levels of service to your customers. I was told on three separate occasions that a manager would call me back to discuss my claim, these phone calls never happened. I was also informed by a member of your staff that the claim would be ‘Escalated’. When I called back a week later not only was there no escalation, but there was no record of my call whatsoever!

I do hope this e-mail is dealt with as a personal matter of urgency by yourself Sandy, and your team members. If I do not receive a full and final offer of £XXX.XX by 18/05/07, I will be forced to begin legal proceedings. This would be a real shame as I have always been very happy with my branches in XXXXXXX and XXXXXX. The staff have been very helpful in branch at every stage, and I have no desire to leave the bank due to this reason. This date of 18/05/07 will have given the bank over 10 weeks to deal with this claim, and return all charges back accordingly. Both myself, and the regulator, believe this is more than a reasonable time for this to be dealt with.

 

 

 

I look forward to hearing back from you soon.

 

 

Yours faithfully

TheDean

[TheDean]

Cha-Ching!:o :o

 

 

Recieved the E-Mail below:

 

 

Dear TheDean,

 

I am advised that a further offer letter will be despatched to you in the next few days, this will meet with your claim in full.

Please be advised, that for legal and audit reasons, we require to have the signed acceptance letter returned to us, a faxed or e-mail copy is not acceptable. A reply envelope will be included with our letter.

Regards

 

Sandy

 

 

I'm not opening the Champagne till the £££ is in my account though!!!

[isidore]

Great news! Remember you don't HAVE to sign their agreement, you could write up your own if you are not happy with the terms of the agreement.

[TheDean]

Great news! Remember you don't HAVE to sign their agreement, you could write up your own if you are not happy with the terms of the agreement.

 

 

I had a brief flick through it last week, apparently it's not worth the paper it's printed on anyway from a legal standpoint. Did you re-word yours?

[isidore]

I just sent them my own version.