🚀 go-pugleaf

"Windmill" <spam-no-spam@Onetel.net.uk.invalid> wrote in message 
news:KHvr5H.B5D@Millstream.onetel.net.uk...
>
> This is the third time, and they send notices which scream in large
> capitals that 'DOING NOTHING COULD MAKE THINGS WORSE'.
>
> Writing to the Financial Services Ombudsman is a waste of time; I'd
> probably just be told that it was a 'commercial decision' as happened
> when Smile played games with my overdraft limit.

Complain to the bank, and ask them to escalate the complaint as it has not 
been resolved correctly in the past.  Also explain that you require them to 
escalate the complaint to ensure your involvement of the ombudsman can be 
made in a timely manner.

> If it is happening to me, it will be happening to thousands of others.
>
>
> Text of letter I'm about to send :-
>
>
> Dear Sirs,
>
> My debts have always been a small percentage of my assets.

Not sure why you feel this is relevant (or indeed if this is true - have you 
never had a mortgage for example).

> My indebtedness to the RBS was discharged in full in June of 2007, and
> you sent a letter confirming this.

As someone else has said, include a copy of this letter.

> Since then, you have on three separate occasions sent Arrears notices,
> despite being repeatedly told that I owe you nothing.

Dates of theletters they`ve sent you, amounts they claim you owe them, why 
they claim you owe them money.  All very relevant details.

> That you are incompetent has been made only too obvious in the press.
>
> But this could be deliberate dishonesty; if some part of the RBS claims
> that I and many others owe money, the non-existent loans can be kept on
> the bank's books as assets; money the bank expects to eventually
> recoup.
>
> It could even be corruption; bank staff in a tight spot, people with
> access to customer records, could be targeting people over a certain
> age and attempting to get double payments to cover their own misdeeds.
>
> Or they could hope to so damage someone's credit rating (and we're told
> that banks exchange information about their customers) that he or she
> might be forced to sell property at a knock-down price, perhaps to an
> accomplice of those staff members.

None of this is at all relevant, apart from possibly making you feel a bit 
better about letting off steam to the company.  The person answering the 
letter won`t care about your claims, nor will the company as a whole.  You 
also run the risk of coming across as a paranoid nutter, which will make 
anything else you say a lot less interesting to the bank, and thu less 
likely to be acted on.  Lets be honest, the above does have a hint of 
tin-foil hat about it, and who can respect, or even care about the opinion 
of, someone of that kind?

> If this matter is not immediately cleared up, I intend to bring a claim
> in Small Claims Court.

What will you be claiming for exactly?  Perhaps if you now inform them that 
you will be charging them to deal with any and all future mistakes of this 
kind made by themselves and give a list of REASONABLE charges, you might 
have a chance of getting money from them in the future.  Reasonable is not 
�25 to read a letter, reasonable would be what you normally charge your 
employer for your time.