Thread: To late for action on charges?

Hope someone can offer some advice for me

I have just spent months being hassled by RBS due the remains of an unpaid load from 2000. This loan was taken out to cover charges made by RBS when i was hospitalised and couldnt work for 5+ months.

It is a while ago, but memory says that over a 6 week period i became about £750 o/d due to charges. Work didnt pay sick pay, took me three weeks to get it sorted from hospital bed, and then i went to RBS to sort out after and they refused an overdraft, but happily sold me a £1500 loan(about £3000 to repay due massive interest charges)to repay the mounted charges.

I spent as little as poss (at their recomendation, but each cheque sent cost me £20-30 charge and then a another charge for missuse. I went from being in credit to owing £3000 in just afew weeks. I cried my eyes out in the branch trying to sort it out, and they just rubbed their hands and sold me the loan.

Now after all this i still owe £800 apparantly. though they admit that they no longer have the cca, so is unenforcable. But this £800 is probably just extra interest added on at the start of each year that still had an outstanding balance.

Now, can i find out details of all the charges, and account details from that far back? and can i do anything about reclaiming excess charges this far after the event? I feel gutted to have had to repay so much money, that if the same happened tioday, i would be wise enough not to let a bank push me around and charge me so much. I probably spent less than £300 pounds and repayed over £2000 because of it.

How can i get a complete record of it all, including loan repayments and bank charges.

i also want to let RBS know how i feel about the whole affair, but want to know where i stand, and have my facts straight before i do this


Any advice greatly appreciated

Best regards
Mr Derek