Thread: Niteflite vs RBOS

I should also add, or rather ask you kind souls about the format of the statements I received.

Where monthly charges are concerned they look like this...

INT TO 10DEC A/C xxxxxxxxxxx 12.07
CHG TO 10DEC A/C xxxxxxxxxxx 33.92
CHG TO 10 DEC A/C xxxxxxxxxxx 8.50

Now I was conned by the bank into taking out loadguard overdraft insurance. So that is one of those lines I suspect. The £33.92 charge comprises of my £10 Royalties fee (I know, stupid paid account nonsense) and £23.92 charges I'm claiming back.

Could anyone tell me what the Other charges are for - and should I eb claiming them back? Presumably the INT line is interest obviously, but interest on what?

Many thanks

Thanks for your reply

I wasn't mis-sold it per se, they said I couldn't have a big agreed overdraft without it. So I'm not overly bothered by that either.

Heya T4FF and thank you so much for your reply!

I used your spreadsheet actually, to sort out the charges for my Royalities accounts and the like, so a massive, massive thank you for that.

So the amounts in the INT column are also something I can claim for?

Hi again,

I've really worked myself into a mess over this and could do with some kind help please?

On my statements I have three lines that look like this :

INT TO 10 OCT A/C xxxxxxxxxx 6.31
CHG TO 10 OCT A/C xxxxxxxxxx 5.00
CHG TO 10 OCT A/C xxxxxxxxxxx 5.23

The second line of CHG is my Royalities costs and this is where my penalty charges feature too when the bank added them. So that luine I'm fine with claiming anything over £5.

I'm a bit stressed about the other two lines though, and don't want to appear foolish to the bank by not claiming what I'm entitled to

The top INT line is presumably the interest charged on the overdraft amount above my agreed limit which is £250 I think. So I can't claim this back?

The bottom CHG line is presumably then the loanguard charges which I cannot claim back as I agreed to taking it out?

Have I got this correct?

Therefore the only thing I am claiming back are any referral fees, any direct debit refusal fees, and anything over £5 in the second CHG line as shown on my statements?

Thanks for any help

Ahhh you're really helpful, thanks so much T4FF!

I'll have a look at Vampires stuff right now!

Just to check though, if I didn't want to claim the interest back, if it's negligible or whatever, it's not a must is it?

Cheers, all done, total claim is for £655.68.

Will send my initial request letter to the Royal Bank of Scotland by registered post tomorrow

Let the 14 day countdown commence....

Ok, my initial request has been posted today by first class registered post...

Your item with reference DHxxxxxxxxxxx was delivered from our EDINBURGH PRIVATE BOXES Delivery Office on 07/11/06.

Let battle commence!

I had my first reply from the bank just now.

It takes the form of the usual "We believe our charges are fair etc etc etc" rebuff, from none other than the lovely Mr McLean himself It ends with "...will not be refunding any of the charges applied to your bank account."

So I have my lba ready to post - do you think I should post it now, or wait until the original 14 days is up?

I feel like I should post it now?

And how is this for my LBA?

MY ADDRESS


Customer Relations Unit
Royal Bank of Scotland
Retail Support
The Forthstone
56 South Gyle Crescent
Edinburgh
EH12 9LE

14th November 2006

Dear Mr McLean,


I am very disappointed with your response (dated 10th November 2006, your ref TMcL) to my letter of the 6th November 2006.

I would like to reaffirm that I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £xxxxx.

I am enclosing another copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 6th November 2006.

I require repayment, in full, of this money.

If you do not comply fully within 14 days of this letter then I shall begin a claim against you for the full amount plus interest, plus my costs - without any further notice or communication.


Yours faithfully,





Will that do please?

I'm guessing he is just sending out standard letters then as this is similar to the response I received today saying that he wasn't refunding any of the charges. Just about to prepare my lba

Your letter looks fine to me. I would post first class recorded delivery as soon as you can.

Good luck with your claim

I noticed above you claimed for "CHG to 10th OCT". I have been charges very month aroud £30 on my royalities gold. Can i claim all this? I thought this was standard charges for my accoutn running?

Thanks for your reply QueenG and the very, very best of luck to you too!

I was very reticent to break the 14 day timetable. But as the letter from Mr McLean is such a definite no, I don't see what harm can be done. So my lba will be in the post today.

Originally Posted by Henrik#1

I noticed above you claimed for "CHG to 10th OCT". I have been charges very month aroud £30 on my royalities gold. Can i claim all this? I thought this was standard charges for my accoutn running?

Hi there

Basically the charges I have claimed for are the total charge, minus any agreed charge between myself and the bank. So, being a Royalties customer at the time of my claim, the agreed charge between the bank and myself for this service was £5, as shown. Anything above that amount was a penalty charge for going over my overdraft limit and suchlike, and is, therefore, claimable.

For example, one row from my spreadsheet looks like :

Royalties CHG TO 10OCT Charge £25 Agreed Charge £5 Penalty Amount £20.

This breaks it down nicely I think for both me and the bank, so there can be little doubt that I have taken the Royalties charge into account.

Thanks niteflite. What SS did you use? I am scoobed about what interest values to add in these bits.
Interest on penalties
Interest date
Interest charged (+)
Estimated average overdrawn balance during period of interest (-)
Interest free overdraft ( +)
Bank interest on penalties
Int. on bank int on penalties
Interest on, date, charged, est ave and so on. Also was told not to use 8% on the interest rate at teh top of the Vamprise SS.

thanks for you help!