Firstly hi to all

I have only just joined & know there is a lot to look through but......

How can one calculate how much they have over charged?

Examples Charge with RBS for unpaid Chq £38 & Service Charge for maintainance of account £28 then the interest that is applied.

Don't know how to start? is there a set fee for lets say the £38 for unpaid chq or can I claim for it all?

Service Charge of £28 can't be claimed right?

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

http://www.consumeractiongroup.co.uk/forum/bank-templates-library

there is some reading to be going on with for now. welcome to the site. if you need any help just post here with questions so we can answer them. ok first of all you can claim all penalty charges back the whole of them. second usually you cannot claim back service charges however this one seems particulary high and that would make me think it is a penalty under the name of service charge which banks have been known to do. so i would claim this as well. you can always knock it off again later if you think its really for a service.

good luck

Cheers for reply

Taken bull by the horn & took a little differnet approach due to not knowing about Service charges.

Asked for refund via RBS website complaints giving them 14 days- probably will get ignored but have offered as a quick settlement 80% of charges. I have not mentioned any amounts just asked for last 6 years.

I have my bank statements since iv'e been with them so no need for SAR and know how much total in charges are & total in so called service charges. Therefore "IF" any settlement figures are sent will have an idea on what has or has not been included - if nothing offered or ignored then will pursue for FULL refund.

Received my fob off reply via post today.

Couple of quotes from letter

Quote - “Please be advised that the bank’s system does mot easily allow access to customer accounts prior to twelve months ago. As a result, we are unable to view any charges that might have been applied to your account prior to that. Against that background, please contact your branch to request historic statements for your account, these will cover the past 6 years and cost £5”

Better than £10

Quote – “We have considered and responded to the Office of Fair Trading’s statement of 5 April 2006. We do not accept the Office of Fair Trading’s findings in relation to credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the settings of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products.”

Oh well to next stage of process to claim back.

Hello Cougar, I am just starting this process myself. Re RBOS offer of £5 for statements, I think they mean £5 per statement. May be worth checking out. Go for SAR and pay the £10 for summary printout of all charges on your account past 6 years.They have to provide these.Read the guidance notes. Well worth the time spent.

happy hunting

jessejames

Thanks for the reply jessejames (frank will be chasing the loot too).

Do banks have full access (can look at themselves) to the last 6 years or can they only do this when you request it?

Hi Cougar, I am sure banks can access their records at any time, certainly back 6 years. I had to obtain copy statements from RBOS in 1993, backdated 6 years, for a subsequently successful civil action (not against RBOS) and they were able to supply these within 2 weeks. They charged £5 per statement, total cost about £360, which I recovered from the other party. Go for the £10 option and keep the pressure on.

good luck

jessejames