wish me luck against rbs***WON*** Hardship claim

**ronvin** · 7th January 2007 10:55

here i go again already claiming charges from the Halifax icon

for a lot more, but while claiming from barclays via money claim RBS decided to take a charge from my account. my fella rang and asked for it to be refunded andthey refused, they then decided to add a few more charges over the xmas period (the fools, you think they would learn). i phoned the other day and asked them to refund the charges and again they refused until i stated that what they were doing is wrong and the only reason i was in over my overdraft icon

was that they have taken charges out. they refunded £38 into my account still leaving me over, with a £28 charge looming if i don't sort out my account.
so, i am writing to their h/o with a letter giving them 14 days to refund all charges (its only £106 so i'm hoping they will reconcider) or my first letter goes out to them.
is this ok or should i leave out my letter and start the process now?

Similar Threads:

**Rooster-UK** · 7th January 2007 12:40

Hi Ronvin.

It's worth giving it a try as it's only a small amount.

If that doesn't work then wade straight in with the preliminary request letter from the templates library icon

.
Stick to your timetable, not theirs.

Good luck.
Regards, Rooster.

**ronvin** · 25th January 2007 19:04

i won ha ha ha

just an update i sent RBS icon

a letter on the 8th of jan basically asking for them to return my £108 in bank charges to me or to face further action. on the 22nd of jan the sent a letter saying " i'm sorry you have concerns blah blah blah ........... we believe that these charges are fair, reasonable and transparent.(whatever) blah blah blah ...................... however we have reviewed your case and as a gesture of good will icon

and without admission of liability or error in this instance we are prepared to offer the amount of £108 blah blah blah..................... .

i'm quite suprised really as i didn't use the standard prelim letter not got my money yet though so i'll keep you posted

**ronvin** · 11th February 2007 10:44

hi RBS

have put the money in my account so i have my money back great i can't believe it

**ronvin** · 30th May 2007 19:38

hi i'm back against RBS icon

again they are greedy aren't they !!!!!

about £300 in the last three months

they threatened to close or downgrade my account if i went for they charges again has this happened to anyone or is it just a threat?

**ronvin** · 4th June 2007 18:36

can anyone help with the previous post as the RBS icon

has taken over £300 in charges off me in the last 3 months wondering whether to open a new account now or start with me prelim as i have all of my statements

i have had charges refunded to me from this account before and they threatened to downgrade or close my account if i did claim for them taking charges in the future

**ronvin** · 8th June 2007 08:16

I.m sending off my preli today for charges put on my account over the last 4 months. How can they justify taking £354.

Its daylight robbery

**ronvin** · 17th June 2007 11:09

Well as no one gave me any advise i deceided to open another account anyway just incase.
On thursday when the post came with a standard letter from the RBS icon

saying they will get back to me in the next 6-8 weeks. They have till next monday to get back to me otherwise they will receive my lba icon

.
Just finishing off my case against Barclays icon

so have the funds to go to court nevermind i suppose its more money in my pocket.

**ronvin** · 12th November 2008 15:31

Well i didn't get anywhere with the above claim and after receiving the standard letter after the high court hearing i gave up my quest of reclaiming my charges.

After moving house and opening a new bank account i realised the cheeky RBS icon

had continued to take charges out of my account taking the total to £708.

So i've sent a new prelim stating amount taken before and after the hearing, lets see how i get on this time !

**hellhasnofury** · 14th November 2008 07:39

Originally Posted by ronvin

Well i didn't get anywhere with the above claim and after receiving the standard letter after the high court hearing i gave up my quest of reclaiming my charges.

After moving house and opening a new bank account i realised the cheeky RBS icon

had continued to take charges out of my account taking the total to £708.

So i've sent a new prelim stating amount taken before and after the hearing, lets see how i get on this time !

Hello Ronvin,

You poor thing:cry: After reading your thread, nobody responded to your posts

.

Yes you are right to restart your claim and it was advisable to open up a new account, as they can get a bit retalitory

Start by sending of your prelimary letter asking for them to refund the money they have taken. They will respond with the "Thank your for your letter, thankfully we can still take these charges, but do not have to investigate your complaint, but will add it to our mountain's of other claims till the outcome of the test case.

Then send your lba icon

and if no response of the same. Issue at court

Good luck and keep us posted

**ronvin** · 15th November 2008 19:01

Recieved a letter from the lovely RBS icon

today (pretty quick for them)

Thank you for your letter regarding your claim for charges.
As outlined in our previous letter to you, will will resolve your complaint once legal proceedings between the oft and the banks are determined
We have registered and stored your complaint.

If you would like and update on the latest postion regarding proceedings
visit our website overdraft charges update- RBS - The Royal Bank of Scotland

Will give them another week as they haven't had 14 working days yet then lba icon

will go off.

**ronvin** · 27th February 2009 09:43

lba

sent off just over a week ago, they responded with the usual standard letter, so its off to court for me and the RBS icon

**maroondevo52** · 27th February 2009 09:58

Hi, ronvin.

Sorry your thread seems to have gone unnoticed

Regarding your claim, take it all the way and stick to your timetable.

Good luck with that.

Regards.

Scott.

**hellhasnofury** · 27th February 2009 19:39

Hello Ronvin,

Have a look at this POC icon

for the good old fashioned N1 route

4. Particulars of claim - N1 - updated version now available -j

**ronvin** · 19th March 2009 19:31

well not had the money to go to court just yet.
Received a letter from the lovely RBS icon

saying that i'm nearly £400 overdrawn on my account. My reaction wasn't pretty i think a few f's and jf's were in there.

Anyway i replied to their letter telling them that the reason i'm overdrawn on my account is that they have taken penalty charges and interest icon

and shoved there, even though the oft is looking into their charges they still think its fair to slap them on peoples accounts, asked them to remburse me

My lovely mother has loaned me the money to pay it off (hopefully without interest and PPI icon

) so i don't get any more charges on there.

Just had a win on a PPI claim as soon as i get my money on them i'll issue a court claim.

**Poppay2** · 19th March 2009 20:31

Hi ronvin
Just wanted to wish you luck with your battle with RBS icon

. They are definitely one of the worst to deal with!
I'm subscribing.
P.

**hellhasnofury** · 20th March 2009 07:46

Originally Posted by ronvin

well not had the money to go to court just yet.
Received a letter from the lovely RBS icon

saying that i'm nearly £400 overdrawn on my account. My reaction wasn't pretty i think a few f's and jf's were in there.

Anyway i replied to their letter telling them that the reason i'm overdrawn on my account is that they have taken penalty charges and interest icon

and shoved there, even though the oft is looking into their charges they still think its fair to slap them on peoples accounts, asked them to remburse me

My lovely mother has loaned me the money to pay it off (hopefully without interest and PPI icon

) so i don't get any more charges on there.

Just had a win on a PPI claim as soon as i get my money on them i'll issue a court claim.

Hello Ronvin,

Yes it is truely disgusted regarding this one sided waiver granted by the FSA

Basically telling customers to shut up and the banks business as usual

Possibly a mass complaint to the FSA is needed regarding the unfairness of this waiver.

The FSA is always spouting their principle of treating customers fairly, yeh right.

Glad to hear that you have been successful on a claim for ppi, who was that with????????

As soon as you get the money, get a N1 issued against the RBS

**ronvin** · 9th April 2009 14:49

Received my statement today !!!!!!!!

seems the new word for their charges is MAINTENANCE, I DIDN'T ASK FOR ANY MAINTENANCE.

WHATS ALL THAT ABOUT ????????????

OH HOW I HATE THE RBS icon

.

Any way received my cheques from my PPI icon

win against alliance and leicester today so hi ho hi ho its of to court i go (just as soon as they have cleared).

Will keep you posted

**maroondevo52** · 9th April 2009 14:54

Good stuff ronvin, tell us how you get on.

Regards.

Scott.

**ronvin** · 22nd April 2009 19:15

I received the email off money saving expert about hardship claims.

As i'm currently on statutory maternity icon

pay, i would see myself in that position.

Letter goes off tomorrow, we'll see how it goes? They'll probably say no but you never know

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