Hi,

I've just received my statements through the post for my graduate account with RBoS & have received with the statements, notification that a £10 payment will be debited from my account later on this month for service charges. I have never made this payment before & I've not received any prior warning of this from the bank. Has anyone else with RBoS received anything like this & do you know if this is a new thing?

Will be writing to 'comment' on this tomorrow but would prefer to know if this is a common practice or not. I never received any T&Cs for the account when I opened it so cannot check. They nearly caught me out with a separate account a while ago on something mentioned in T&Cs which I never had so wasn't aware of. Despite my attempts to get them to send me the T&Cs on that account I've still not had them.

Hi there yes i have been getting this for months now i recieve a statment like letter saying i will be charged a £10 service charge on some date in the next month i thought this was something everyone got because i don't have a clue what this is for!!!!!!

Either of you got a Royalties account? 10 pound could be your charge for Royalties. Apart from that I don't really know. RBS are gits for not disclosing what charges are for they just sweep them all under one category of "service charge".

Here is a link to all charges for RBS, I am in the process of compilinhg a list of fees. I have just checked on their web site and I is not a fee for any royalty account as far as I can see or their IPCA,student or Key account.

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/57649-rbs-list-all-charges.html

RBS: Royalties Current Accounts - Royalties Premier Account

I is not a fee for any royalty account

Eh

Eh

It should read I think.

Course it's not - was thinking it was the Gold charge but that's 12 now isn't it?

Your best bet is to simply ring up the branch. Ask them what the charge is, why you've been charged it and how you can stop it in future. Would be interested to hear your findings....

I only have a basic account.

What account do you have? It should say at the top of the statement.

Sorry i tell a lie ive just looked at my statement and its a route 21 current account!!! and i have a copy of one of the £10 charge letters it says service charge for 21 november to 21 december 2006 the service charge will be deducted on the 7 of january 2007 this charged is based on a maintanenace charge of £10. charges will be deducted automatically. i get this nearly every month i thought everyone got it.

That ment to say the 17 of jan.

Don't know much about R21s. Have you got an terms & conditions leaflets that might explain? Failing that easiest thing to do is like I said above, ring the branch or direct banking.

Mine's a graduate account which I've held with them for about 16 months. This is the first time this charge has come up & the 'advice' letter is just the same as babyblue's.

The only thing I can think it might be is a charge for their having to charge us i.e. due to our 'negligence' they have to 'put more time' into 'looking after' the account. The reason I was wondering about this is that this is the first time I've had a SO returned & charge put on this account & it seems a bit of a coincidence that it's at the same time I'm charged my first 'maintenance' fee.

Will be sending letter off tomorrow asking them under what authority they're levying this charge & asking them to send me a copy of my T&Cs.

Graduate account is £10 Unarranged borrowing

Yep, you're right. Went over my limit by 49p for one day. Wrote very strong letter to them before I saw Nattie's post asking under what authority they were 'levying this charge on my account' & asking them to send me a copy of my T&Cs that I never got when I opened the account. Got quite a humble letter back which made me laugh, an apology, withdrawal of charge & the T&Cs.

Cheers for the help guys

Oh, and babybluex82x you might want to look at getting these back as they are not 'maintenance charges'