I received a cheque from RBS refunding all of my charges recently, the attached letter made me laugh.
Quote:
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We believe that the particulars of your claim disclose no reasonable grounds or cause of action against the Bank. However, we believe that given the amount of your alledged claim, it is not commercially viable or cost effective for the Bank to defend this claim
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So despite them assuring me that I had no reasonable grounds to take action against the bank, they decided not to defend the case? Smells like cattles business to me!
Their litigation department also made the cheque payable to "My name into account XXXXXXXX" being the account that was in dispute and apparently they're doing this to a lot of people even if the account is closed. I simply crossed out the "into account XXXXXXXX", deposited it into another bank account and it cleared no problem.