Big_Lad vs. RBS

**Big_Lad** · 20th October 2006 23:11

Hi there,

Been recommended here by a friend who successfully claimed back charges against his account. I have read through all the FAQ's about the processes and where i stand should things get hairy.

I'm hoping to send my SAR icon

tomorrow, but two questions i would like to ask RBS icon

account holders is who do you make the £10 cheque payable to? And secondly, does it make any difference sending my letter and funds to my branch or the address in Edinburgh?

In the meantime i will continue to work my way through the various threads within this section.

Many thanks,

**livelylad** · 20th October 2006 23:12

Originally Posted by Big_Lad

Hi there,

Been recommended here by a friend who successfully claimed back charges against his account. I have read through all the FAQ's about the processes and where i stand should things get hairy.

I'm hoping to send my S.A.R - (Subject access request icon

) tomorrow, but two questions i would like to ask RBS icon

account holders is who do you make the £10 cheque payable to? And secondly, does it make any difference sending my letter and funds to my branch or the address in Edinburgh?

In the meantime i will continue to work my way through the various threads within this section.

Many thanks,

The cash is payable to RBOS and i sent my paperwork to my branch just for ease.

**Big_Lad** · 20th October 2006 23:18

Thanks for the swift reply. As eager as i am to claim back charges brought against me, i will still trawl through the threads here and try to gain a better understanding of what is going on as to be honest i've not overly confident at the moment.

**livelylad** · 20th October 2006 23:20

Originally Posted by Big_Lad

Thanks for the swift reply. As eager as i am to claim back charges brought against me, i will still trawl through the threads here and try to gain a better understanding of what is going on as to be honest i've not overly confident at the moment.

You will be fine there is plenty of help here, and well done for taking the time to read the threads before you start!!! Any probs PM me.

**Big_Lad** · 23rd October 2006 18:51

Hand delivered the SAR icon

to my branch this morning, 40 days will begin from tomorrow...

**Big_Lad** · 31st October 2006 19:53

Ok i submitted my SAR icon

on the 23rd October to my branch of RBS icon

, its been over a week now and i have still not received acknowledgement that they have it.

Should i receive a courtesy letter to say that they are processing my request or does RBS not do this?

**cheesy** · 31st October 2006 20:44

In my experience they do not do this, and they don't include a compliments slip or note when they send the statements either! Is frustrating isn't it because you worry if the request has gone to the right person.

You will have seen from other threads that RBS icon

don't always comply with the 40 day deadline, so be prepared to hassle them. But your staements will come.

**Big_Lad** · 31st October 2006 23:06

Originally Posted by cheesy

In my experience they do not do this, and they don't include a compliments slip or note when they send the statements either! Is frustrating isn't it because you worry if the request has gone to the right person.

You will have seen from other threads that RBS icon

don't always comply with the 40 day deadline, so be prepared to hassle them. But your staements will come.

Well my mind was thinking if they would be doing anything but from what you've told me i'm going to have to give them some work to do anyway

**Big_Lad** · 2nd November 2006 19:29

Ironically, i received an acknowledgement from RBS icon

on the 1st Nov. Hopefully not long to wait now

**Big_Lad** · 4th November 2006 12:09

Well i got my statements through this morning, and after having a brief look throuigh over my breakfast there are a few things i have questions on.

I take it on my statements where is says CHG against my account, is basically what i can claim back?

One thing i would like to query though, on my statements it says the following thing, for example.

INT TO 29DEC A/C ******** £7.19 withdrawn
CHG TO 27DEC A/C ******** £32.50 withdrawn

How much of this interest icon

can i claim back? this is not the only time its appeared on my statements. and it amounts to quite a bit.

Thanks in advance

**stacymason** · 4th November 2006 23:10

if you go to vampiress chamber and look at the spreadsheet there you enter the balance on the account at the time and that calculates how much of the interest icon

is allowable. take your time and post back if you have any problems.

Stacy xx

**Big_Lad** · 5th November 2006 14:23

Stacey thanks for the reply.

I'll take a look at the spreadsheet, but one thing i need to clear up is, that particular charge. On some of my statements it is about £5 in one particular month and £34 for the next.

Is this CHG to do with the agreed overdraft icon

i have on my account? If so i could understand paying £5, but why does it fluctuate so much, is it because on particular months where it rises to £34 i have gone over my overdraft?

thanks

**stacymason** · 5th November 2006 21:17

if on a normal month its £5, anything above that will be a penalty charge. So claim for any anything above the standard charge i'e £29.

Double check what the standard charge is, it varies on different types of accounts!

Stacy xx

**Big_Lad** · 21st November 2006 12:45

Ok, finally i've worked my way through my statements and prepared a spreadsheet, i'm going to transfer it across to one of the recommended spreadsheets on here.

One thing i've become worried about over the last couple of days is the possibility of my account being closed. Have RBS icon

been known to do this?

**Me.x** · 21st November 2006 21:55

Haven't heard of amyone yet who has actually had their account closed, however you would be wise to open a parachute account icon

just in case. Best be prepared!

**stacymason** · 22nd November 2006 11:32

I think they only tend to close accounts if you claim against them more than once, but as me says best to be prepared!

**Big_Lad** · 22nd November 2006 19:44

I've got a parachute account icon

on standby should anything go pear shaped

**Big_Lad** · 5th January 2007 16:13

Thought i'd dig this thread up again, i've been a bit slack over the last couple of weeks.

I'm now at a stage to send my prelim letter, but there are so many addresses to send it to, who is best. I'd rather not give it to my branch if possible

**dagrat** · 5th January 2007 19:18

Hi big lad

Seems like you and I are at the same stage of claiming against rbos.
as ive just sent my prelim letter about four days ago.

I dont think it matters where you send your prelim letter as it always gets to the right dept eventually. I sent mine to customer relations.
Did you send it registered mail? you can then follow the progress of it.

Good luck with your claim (not that you will need luck!)

**Big_Lad** · 15th January 2007 19:47

Ok i've updated my spreadsheet ready to send to RBS icon

, but would anyone be able to take 10 minutes or so to kindly check mine over and make sure i've got everything down and make sure i'm not claiming for stuff that i shouldn't.

Still a bit unsure you see as to what i can claim for and what i can't and want to make sure its right

Any help is appreciated

Many thanks

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