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Previously I thought it was impossible to claim back overdraft charges from my bank as it was a penalty for going over my agreed overdraft.
I have had about 6 or 7 charges (£35 / £28) in the last 2 months as I have accidently gone over my account that I use for ebay, money has been transferred in and out on a regular basis.
Can anyone please advise me if I can claim these back as unfair charges? and where to go from here. I am based in Scotland also just incase the Scottish law is different.
Does the first letter tend to work? or do they try and play hardball? Does this need to be sent to the head office or branch where I opened my account?
As to whether the first letter works, very unlikely, they will keep trying to fob you off, but just stick to your timescales and take them all the road.
Regards.
Scott.
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I had a letter back from RBS saying that they were in receipt of my letter but were sending it back to me as I didn't provide enough information of my account. They sent me a claim form which I am to fill in and send back to a different address. In the letter it doesn't say that they will give me back the charges just that it is a claim.
Should I fill the form in and see what happens? Is this their way of saying that the charges will be paid back?
Hi
Am a little confused?!!
I received my original letter back along with a covering letter and my 'claim form' saying that I had an HBOS sort code and to direct it to them. I thought they were all one organisation. I have been into my bank and have been given 2 different address (both with PO BOX addresses). Does anyone know which is the correct address to post my claim to?. I have an address in Leeds and one in Dunfermline. Or could I send to both? I have the letters ready and want to post today, as they are PO BOX addresses am I right in saying that they cannot be sent by recoreded delivery? Any help to my questions would be grateful.
Thanks for that. I had one letter addressed to them so I'll send that today. Do you know if I can send this letter by registered post as it's going to a PO BOX?.
Is your account with Royal Bank of Scotland or Halifax? If you have been banking with RBOS then the contact details are different from HBOS.
Which was the first letter you sent?
I am not sure why you had to fill in a form with more information.
On your first letter l, did you put the full details asked for, ie, sort code, account number and which bank. (I'm assuming you did) If so they have all the information needed.
Well I thought it was with RBoS but my card just says BoS. I submitted details to them and that's when they came back to say that my sort code was a HBOS account. I sent them the prelim letter but as it was sent to the wrong bank will send it again today to the Leeds address.
Should I also send to Trinity Road as per Tilly's advice above? Shall I send by registered post? and also is it 14 days to send the next letter starting from the day after sending (so would be 1st day tomorrow - 14th day being 9th Sept?)
Reclaim Overdraft Charges from RBS - Scotland
charges from my bank as it was a penalty for going over my agreed overdraft.
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Here you go
