Zeusie v RBS Credit Card

[Zeusie67]

I sent my prelim letter (rec. del.) to RBS for repayment of late payment charges (plus interest of 8%) on the 16th of February (sent it to Southend on Sea.) The account is a closed account.

 

No response at all was received from RBS so I followed that up with a LBA (rec. del.) on 6th March 2007.

 

[A letter sent to Mint Credit Card operations at the same address, on the same day, in respect of a closed account with them, was acknowledged and reponded to and following a LBA to MINT they have indicated that they will now cough up in full, with interest.]

 

However, no response was received from RBS (even though they and MINT are effectively the same company and so far I haven't had time to lodge the claim. I called them today to try and speak to someone about the lack of ANY response. I thought that as at least one part of their operations (i.e MINT) had seen the light and are paying out at the LBA stage that, the RBS side would acting in a similar manner and there had just been a slight oversight or a backlog in respect of my claim.

 

However, I spoke to a most unhelpful member of staff who advised me to write in again. I spelt out that i had already given them five weeks in which to respond and they had failed even to acknolwedge my complaint which I had detailed in two letters and that this was a courtesy call in order to allow them to avoid a court action. She said there was no note of my account on their system, as it is closed, and she couldn't even tell me if my letters had been recieved or if they were being dealt with in any way. She said that there was no one i could speak to about the matter and there was nothing she could do for me at all.

 

I didn't expect my money back at the first hurdle but I am VERY ****ed off at RBS for COMPLETELY ignoring my letters. It beggars belief that one side of their operations can be so proactive in dealing with requests for reimbursement of penalty charges while the other side is a shambles.

 

So a small claims action it is then.

 

First date I can get to the court to lodge my small claim is on Thursday (29th). I wonder if the RBS will be able to find my account details when the summons arrives?

 

As well filing a claim, I think I'll write to the FOS regarding the fact they have completely ignored my complaint altogether.

 

I take the address for the small claim is their Edinburgh registered address?