Hi,

I am new to the forum, and have a few questions about charges on the overdraft, and going over the overdraft. I have put a dpa request into my bank(rbs) a few weeks ago. I just want to know if this is what the article is about? Sorry for my ignorance but I'm not the sharpest tool in the box.

Many thanks

Can you eloborate on 'the article'?

Which article are you referring to?

I'm so sorry, I am working on the laptop and had tried 3 times to post and they just disappeared.

The article that is on the www.moneysavingexpert.com

There are various sites, but this is THE site yes.

Without going into too much detail, a few sites have joined the band wagon... but use this support you will have the best support network available.

Make sure you read the FAQs, understand the process and then come back with any questions you have, Everyone here is in the same position and are here to support newbies like yourself

Thank you, when and if I have a reply from the bank that they have even received the DPA request( I don't think the 40 day rule kicks in till they awknowledge)

Did you send recorded delivery? if not, how did you send the DPA request?

The 40 days starts from receipt of request AND £10 fee.

You did send the statutory payment of £10 with the DPA letter?

Please read the FAQ's then you will understand how to proceed properly.

The bank is assumed to have recieved the DPA as long as you send it royal mail/hand delivered it. They may not respond to you at 1st.

Please start a thread in the Bank section you are taking action against. That way you can keep track of it in a Journal way.

Good Luck

No, I sent the letter from a template on the dpa website and asked for them to contact me. The bank told me that I would need to pay for copies of archived statments at £5 each before I sent them the letter in a telephone conversation. I asked for any details of charges. We were also charged by the rbs credit card people as we were charged for late payments, we no longer have that credit card, will I still be able to claim the cost back?

So have you sent the £10?

Could someone move this post to the correct section?

You really need to read the FAQs as Lueeze has said. This will explain everything... Ignore what the bank say about charges for statements. The maximum fee is £10, which you must enclose with your DPA request. They will either use it or return it.

It would be very worthwhile spending a few days, if not a week reading through posts on this forum before you proceed any further though.

No, only reading through all the information on here I didn't realise I needed to, I actually thought that they banks told me how much they would charge me for this information.

Get another letter off to them with the £10 in.... Cheque or Postal order best...

Please take time to read everything 1st before you jump in or you may find you have slipped up and it could ruin your chances...

They do not have to give you the info if you have not supplied the £10 in afraid you will have to start again...

Good Luck!

Thank you very much, I am going to have a big read. I am waiting to join talk talk carphone warehouse boradband so am currently piggybacking on a wireless network as have left aol as there idea of customer service was as effective as a plastic oven so my internet connection is limited.

Thank you for all your help

Hi!

I need to move this post to the correct bank forum.

Which bank are you with/referring to?

LOULA

The Royal Bank of Scotland, I am sorry for posting to the wrong place

That's OK!

If you look under RBS and I will rename the thread OOOBEDOO v RBS.

Should be there any minute!

OK?

LOULA

That's great, thank you

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

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