Thread: Bank Charges - HELP!!!

Hi,

I was with RBS (Royal Bank of Scotland) and I got charged about £300 one christmas because they take there money before the weekend is over.

Any way I contacted them and asked if they could resolve it anyway as I will only have the same money coming in as I did last month. If they were not going to give me a refund then I would get charged the same every month afterwords. This refund was refused and as predicted £300 the month after in charges and again and again.

Now I am £3000 overdrawn (£1000 overdraft) - I asked them to put my account on hold pending the outcome of this court case and they said no - they have told Triton to contact me and are treatening to send baliffs round etc.

Might not have been a good idea but since I have been to the local branch twice and told them I am getting baliffs into the branch.

Why do they think they can threaten me into paying when they wont allow me to claim bank charges until the outcome of the court case.

I dont mind waiting for this but I refuse to pay bank charges which could potentially be illegal.

Need some advise please....

Cheers
Steve

Similar Threads:

• bank charges caused by bank charges (rant)
• Bank face internal admin chaos due to bank charges....
• 2 bank accounts showing as delinquent on credit history due to bank charges
• Got bank charges back for son, but husband bank defending action.
• Hi Everyone! - LLoyds TSB Bank Charges Claim for Closed Bank Account

I Sent them This....

WARNING OF FURTHER ACTION

PLEASE DO NOT IGNORE THIS NOTICE

Debtor: Royal Bank of Scotland (Bispham Branch)
Claimant: xxxxxxx
Account: xxxxxxxx

You are required to make payment for the sum of £2289.83 for charges applied to the above account during the period of November 2007 to November 2008.

You have failed to pay this outstanding amount after numerous phone calls and final demands. If this sum is not paid within seven (7) working days from 25th November 2008 then we will have no choice but to take further action to recover this debt. This means we need payment before the 4th December 2008.

If we have to visit you, we will do so between 8am and 6pm Monday to Friday. If there is no answer or your business is closed then we will post a notice on or through your door informing you of the visit and the amount outstanding.

Please also note that this matter has got to a very serious stage and due to the increased cost for visits and communication with RBS, the following charges will be applied.

If we need to contact you by letter there will be a £30 charge applied to the amount outstanding. If we have to contact you by telephone there will be a £10 charge applied to the amount outstanding and if we need to visit you we will be charging £100 per visit.

We WARN you now, that should you continue to ignore our correspondence the following will happen:

• The actual amount you owe will increase.
• bailiffs will be instructed to visit you.
  

PLEASE NOTE ONCE THE MATTER IS HEARD AT COURT YOU ARE HERE BY GIVEN NOTICE THAT BALIFFS WILL BE INSTRUCTED TO VISIT RBS BISPHAM, REDBANK ROAD, BISPHAM TO ENFORCE RECOVERY OF THE DEBT WHICH MAY INCLUDE REMOVAL OF GOODS.

WE MUST STRESS THAT IF BALIFFS ARE INSTRUCTED TO ENFORCE RECOVERY THEN YOU WILL BE REQUIRED TO PAY THE MONEY TO THEM PLUS ANY COSTS INCURRED.

IF THERE IS NO ANSWER AT THIS STAGE WE WILL CONTACT A LOCKSMITH TO GAIN ENTRY TO YOUR PROPERTY TO REMOVE GOODS.

any advise.....

Yes - I have send SAR etc and had statements and sent in claim to RBS.

This has been place on hold pending the outcome of the court case so in theory their claim for bank charges should be on hold too?

Ta

Steve

Very amusing. I would imagine they will pin this up on the notice board so all the staff can have a good laugh.

Hi - Thanks for replys,

I have already sent a similar letter but hadnt worked - I am no longer using this account.

After the above was hand delivered they were quite shocked (they even told me they were gonna place the account on hold) but since failed to do so.

I just dont want triton and co threatening me over these charges.

I know quite funny but I wanna play them at their own game - hahaha

Another question - If i send a CCA to a bank or credit card company - do they have to provide me with a signed credit agreement. Just read somewhere on another website they dont have to?

Ta

Steve

OK is it worth seeing if the comply with CCA to see if debt is unenforcabe?