Hi

I started working for RBS last year.

I had to open a bank account with them for my wages to get paid.

My god, they have stung me for charges left right & centre.

I have another bank account with Lloyds & luckily I have never ever had trouble with them.

I keep up with both accounts on the internet.

If one account looks a bit low & transfer money etc.

RBS are quite crafty I think.

The amount of times money has been debited quickly but a transfer hasn't gone in quickly is unbelievable.

Also wuth cheque clearence. If I go into Lloyds & pay in a cheque (personal & not the same bank at all) it shows on my account the same day. Yes it has to clear but I see it on my statement the same day. Not with RBS. Sometimes its a week. It should be 4 working days.

Anyway I have lots of charges. They seem to be £28 overlimit charge followed a few weeks later by a £30 charge.

I don't understand. In all fairness I could 'understand' the overlimit charge. But certainly not the other one.

Now I wish to claim these back. I did get one set of charges refunded as a gesture of goodwill the 1st time it happened & they warned me that they wouldn't refund again.

Trouble is, cos I work for them (credit card division) I am worried it will look bad. I need my job (unfortunatly!) cos I need the wages!

Shall I go ahead & claim or could they look for a reason to sack me?

thank you

I think you have to be careful with this!

Your a brave lady and very welcome here!

Good Luck!

hi there maybe you could ask your union for impartial advice perhaps they would be able to let you know or check your contract it may state something if all else fails ask Citizens Advice

If I get this Right

The charges are Illegal, now in law you cannot be dismissed for perfoming legally.

Its the Ones at the TOP who should be paying these charges back from their wages for letting such Penalty charges be applied for such a long time, If I'm right, the ones who think they have the Right (banks etc) have been doing this illegal practice since at least 1915

But to keep things amicable, I would seek further advise from your Union, If not in a union - Join one, as they should protect you from ILLEGAL practice/s

on my advice be careful what you post in here and also take advice from your union.

also are the charges in total worth risking your job over?

i'm not saying you shouldnt claim just if you did and lost your job over it you'd also have the problem of having to explain to a new employer why you left your old job.

so you could end up out of work and in a financial mess somewhere you dont want to be

RBS were (last year) 'encouraging' its employees to use 'Your Bank' and making it part of terms and conditions of employment (or so I believe) for new employees because 'leavers' were still being paid their salary after resignation (or other leaving reason) in quite a high number of cases.

As far as I am aware, they can and do have quite a harsh attitude towards employees who run their personal accounts in a way that prompts any kind of 'unauthorised' charging/interest rate application.

I know this thread is a few months old, but tread carefully here. I wish you good luck.

Regards,

A B I

This topic was closed on 09 March 2019.

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