Thread: Pinkglittergirl and Pinkglitterman vs RBS and RBS CC

I have searched this site for weeks, afraid to post, please dont jump on me, but i cant find the answers to my question!

My bank account with RBS was opened round about sept 2000. For 2 years this was soley in one name. I then had my name added, and since then for the last 6 months or so, the account had the original name taken off so it is just mine. Eg. Mr Smith, then Mr and Mrs Smith, then to Mrs Smith, if that makes any sence! So if i am Mrs Smith, then can i claim back the charges for the full 5 1/2 year period, or only from the date my name was added to the account. Do i need the permission from the person who used to manage the account to go about this? The only detail that has ever changed is the name. It has always been the same account number etc.

Im hoping i can claim the full costs for the whole period, as it was me who was constantly putting money in the account for all the charges etc, so it was me who lost out in the long run, this is why i eventually insisted on my name being added to the account.

Thanks in advance!

Jennifer

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Hi Pink and welcome.

I would think that you would only be able to claim charges from when you entered into a contract. I would think that if you both had authority on the account you could claim from then. Whether the other person on the a/c could have any claim on any refund, I'm not sure.

Yes, im still on talking terms lol, its my partner, but he is utterly useless with money, and we were spending every free penny each month paying charges back, rather than buying things for our son. So i had his name removed from the account in order to stop the debt spiralling. We havent got in to trouble so to speak with debt beyond our means, however this is only due to me taking charge and sorting it out, left to him we would have had defaults and alsorts by now!

We dont want to do a joint claim, as in 10 months time we will be getting a mortgage, or should i say he will be, and as it is him, we dont want to compramise this, by having the bank make life difficult for him to obtain credit. I dont need to take out any credit in the near future which is why i am willing to take the chance and fight for what i believe is rightfully mine. No one should have the right to take money from someone elses account without authorisation.

Jennifer

Thanks very much - all replies gratefully recieved! Its taken me 6 months to get the courage to do this!

Hmmmm... talk about the left hand doesnt know what the right hand is doing.

Firday 16th June, £28 due out for bank charge for going 2 pence (!!!!!!!!) OD last month.

Friday, no sign of charge...yippeeee says i, they have seen sence and not charged me.

Went into branch at 4.30pm just before closing, and withdrew 3 ammounts over the counter. Before i withdrew the final ammount, i asked the cashier was my bank charge coming out. She told me that it appears that i wasnt going to be charged this month, there are no charges showing on your account and nothing been withdrawn for bank charges this month.

I withdrew the money needed to pay my childcare bills, and i then told her if there was no charge to come out, i wanted to leave £350 in their for my DD's and withdraw whatever was left over (im using cash to pay for everything to keep my account in absolute order - well other than when unauthorised DD's come out grrrr - another story!).

She told me my balance after the first 2 ammounts had been withdrawn, and worked out the ammount left over. I then took out the final ammount leaving the correct ammount for my DD's.

Today i was due more money in my account from Tax Credits, which pays for my weekly shop. I went to withdraw this, and before doing so i checked my balance to make sure it had been paid in.

Huh? My balance didnt add up... i phoned up telebanking, and was told a charge had been taken out my account. They told me that it had come out on 16th June.... I told them that my branch said otherwise.

They looked into it, and after spending a good 40 mins on the phone, finally came to the conclusion that the charge was taken out before i took out the 3 ammounts on friday. I needed to know when it came out, so i could make sure there hadnt been a mistake and too much had been withdrawn from my account.

It looks as if it did come out before i wihtdrew the ammounts, however luckily i kept the ministatement she printed out in the branch. This clearly does not show any charge, and goes back to 12th June.

Im at a loss to what to do. I have been told there would be no charge, so i withdrew and spent the money accordingly. Then i get told there is a charge, and it had already come out when i was told there was no charge. I have a minstatement showing that there wasnt a charge showing. It shows the 3 ammounts i withdrew, and then another ammout i withdrew on the 12th June. Definately no charge was taken out before i withdrew.

What is going on? Im going to demand the money back, for the ammount of time spent clearing it up, plus ive got proof it wasnt out my account on 16th June - and due to incorrect advice from them.

Just a word of advice - telebanking are a pile of poo. I have had so many problems with them, and they have been the cause of more charges than i dare to think of. They tell me the wrong information ALL the time. Ill phone the branch on monday morning, but im so mad that so much of my time has been wasted, and that they couldnt organise the proverbial in a brewery!!

If you have got the ministatement then you have proof in black and white. Go for it.

The bank are not confused-they know very well that charges and switch transactions are applied retrospectively leading to the problems that you describe. I had the same experience and was so angry I stayed up all night to check the online banking site. In my case the switch transaction was shown as pending, to be applied NEXT business day, in fact at around 4.30 am the transaction went through and was shown as being debited on the PREVIOUS day, making me overdrawn and giving no opportunity to correct it. Even when faced with the evidence in the form of cashline slips the bank refused to admit that this was happening.

Sounds about right. Just another example of the disgraceful modus operandi of the banks.

Here's another one: You do a BACS transfer to another account. The money leaves your account almost immediately but can take an age to reach the receiving account. Tommorrow will be the 11th day I will have been waiting for funds to reach my account, assuming they get there tomorrow. I know for certain what date they were transferred. So where's the money inbetween then?

A few years ago it took Lloyds TSB five WORKING days to transfer funds from my savings account to my current account; both held within the same branch. The funds left my savings account immediately, could somebody provide a JUSTIFIABLE explanation for this? Lloyds TBS couldn't, despite several requests.

LOL! Its only taken me 7 months to get the courage of my convictions! Ive spent long enough spouting this stuff to other people, directing them to the site, reading up etc etc, but we finally decided to go for it, and today 2 letters were sent off, one to my RBS account, and one to my other halves RBS credit card account. We wanted to pay off overdrafts and credit card before doing anything, and make sure parachute accounts were set up, etc etc. We now feel we are ready to take the bugg*rs on!!
I am just waiting to get his bank statement through, for the account number, then we can send that off too!

Here we goooooooooooooooo!!!!!!!! !! :grin:

Dear All,
I sent my DSAR last wednesday to RBS, and today, I have recieved all 300 pages of statements, dating back to the account being opened in Sept 00. Having spent 2 hours sifting through the statements, I have to say I was rather shocked, and suprised. The first charge appearing on my statement is January 2005. I highly doubt this is the first charge recieved, and Im wondering why the other charges have disappeared, as it seems.... Has anyone else had this problem? I feel really angry, as if they are trying to get one over on me. My otherhalf also thinks there were charges before then, so its not just me. Whats going on???
I have racked up £518 worth of charges over 20 months, so I find it odd that there were no charges before this date, as there were no changes in circumstances that would cause the charges to start from then....

Help!

Pink x

Unfortuantely I only have the last 16 months worth of statements

I was going to go back over the statements and scrutinise them further, check the figures out. But I have enough trouble working the figures out normally! They are not the easiest statements to understand. I have to underline everything to see what figure goes with what!

Bloody banks... I'll report back my findings.

I would say it was unlikely the bank would remove charges from your statements. The bank does not know which statements you have possibly kept from before Jan 2005. Therefore if they removed charges from your statement in say, Nov 2004 and you produced a statement showing that they had they would leave themselves open to all sorts of trouble. The bank do not know what statements you may have so are in no position to be able to lie about the charges taken from your account. Also the banks can afford to cover the repayment of your charges so therefore its better to do that than be done for fraud.

Ok, I have recieved my statements from RBS, and I send of the DSAR for my Dp's RBS CC account. I mentioned to him today that we still havent recieved his, and he then decided to mention to me that he got a letter on friday saying his statements would be with him in 40 days! BUT HE HAS THROWN IT IN THE BIN!! Despite my strict instructions to let me deal with thie completely, as he doesnt have a clue about it, he has managed to throw important infomation away. I asked him wether the letter said 40 days from his letter, or their letter, and he said there. Then I shouted at him LOL! Then he backtracked and said he wasnt sure! Oh, I could kill him! I need to know what that damn letter said. Why is he so stupid? Honestly... he is the one who wanted to do this, I have spent months making sure we are going to get it right, and he screws it up at the first hurdle! I told him explicitly not to throw any communication away. He didnt even tell me anything had arrived! ARRRGHHHHHHHHHHH!