Azure V RBS Mastercard

[Azure]

Hi all

I have decided to reclaim my charges from my RBS Mastercard. It isnt for that much probably about £150 if that, but the chages did cause me to go over my limit and because of that I have a default which i am going to hopefully be able to get removed.

I have a couple questions which i hope some one will answer,

I know for bank charges you send to your local branch but in this case do i send it to the address in Milton Keynes? or because it is with a DCA (Triton), should i send it to them?

I have a bank account with them too but because of a rather large overdraft im not claiming for that just yet, but because im claiming from the RBS Mastercard will they close this down?

I am quite scared of going to court as at present I have no idea what to do, but I will try, and im sure I will get them back with all the help i will (hopefully get here)

Thankyou

[isidore]

I think you might be surprised - most people who estimate how much they might get back tend to find there are much more charges than they thought!

There should be an address listed in the sticky posts at the top of the RBS forums. Otherwise just send to their Customer Relations Team (should be easy to find on RBS website).

They cannot touch your bank account because you are going after your credit card however, the Ombudsman would be very keen to hear from you if they made any retaliatory action towards your overdraft if you went for your bank account charges (because they can't do that). Something to consider.

As for being scared - be assured that pretty much everyone here was in your boat at one time and with the help and support of those around you (and a bit of research from yourself) you will be a pro in no time.

Spend some time looking through the RBS successes and also the Library forum - there are plenty of FAQs, guides and template letters available in that area that should help you enormously.

Good luck

[Azure]

Thanks t4ff

Well, i posted s.a.r today and requested info from both my credit card and bank account. Hope they come back soon, I'm eager to get started..

[Azure]

Hi, well i obviously havent received my s.a.r. but I have by chance uncovered all my credit card statements. Bearing in mind I was unemployed when they granted me a credit card in July 05 with a £250 credit limit which I never started to use it until Jan 06. My balance now is £370 or thereabouts.

Anyway I have calculated, that my unfair charges come to £196. I am not sure how to proceed with this. I have noted other people have asked for the interest they have been charged back too. Do i do this? and if so how?

Hmm, I guess i should wait until i receive my full s.a.r. so i can claim all at once? and i would like it all to go towards paying this credit card off? they are unlikely to send me a cheque are they?

[Azure]

well today i checked my online banking and they have not cashed the s.a.r. fee but have charged me a single £5 historic statement fee! Whats that all about? Has any one else had expierience of this?

[isidore]

They have done this from time to time, this is the fee they charge for producing statements. I have seen others be charged this in the past. The two scenarios I've seen in the past were:

They say "you don't need to pay 10 pounds for and Subject access request, you can just get your statements this way". The problem with this is that if anything goes wrong with the statements you requested you can't threaten them with legal action because your request wasn't an Subject access request.

They charge you the 5quid AND bank the cheque. Well they're taking the mick there aren't they.


I would correct them on this for one important reason, if they don't give you all your statements you will find it a lot harder to correct things if thye haven't followed the the process for an Subject Access Request. If you are comfortable on the phone, I'd ring them up and tell them that you have been charged a fee and don't know why and tell them straight that your request MUST be treated as an Subject Access Request not as a simple statement request. Insist that the fee is refunded and your cheque banked. If not, do the same via a letter.

[Azure]

hi all, well i composed a letter over the weekend and had the intention of psoting it yesterday. But omg! the statements have arrived, but thats it, just the statements, and even then they are only from Jan 2005!

I swear, these banks should know what to put in these s.a.r.'s. Im totally upset they have done it this way!

[andyford2000]

Azure

I have the same problem as yourself with the RBS Mastercard

can I please ask what address you sent your S.A.R. - Subject access request too

cheers

[Azure]

hi, well I sent my s.a.r. to my local branch as I decided to get my bank account details too.

I have now received all of my statements twice over in 5 different packages, one of the envelopes had ripped too!