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This is my 1st post and would like some advice before I make my bank charges claim against RBOS.
1. I have been away from RBOS for 18 months but held a royalties gold account with them for 15 years. Can I still make a claim for bank charges and how far back can i claim?
2. I am currently half way through a trust deed and left owing RBOS a large bank loan and overdraft (Which have been taking over by the trust deed). Will they tell me to stop being so silly because I owe them so much?
This is my 1st post and would like some advice before I make my bank charges claim against RBOS.
1. I have been away from RBOS for 18 months but held a royalties gold account with them for 15 years. Can I still make a claim for bank charges and how far back can i claim?
2. I am currently half way through a trust deed and left owing RBOS a large bank loan and overdraft (Which have been taking over by the trust deed). Will they tell me to stop being so silly because I owe them so much?
Not at all, BUT they may say okay now you owe us £X minus the unfair bank charges we've just 'refunded' you. i.e you may not actually get a cheque for the charges it might just be a reduction in your debt, although I'm sure someone more experienced here will clarify this point as I'm not 100% sure here.
I have received my 6 years worth of statements today. One query. I had a royalties gold account which charged £10 every month, just for having the account. It shows up on my statements as INT which is interest. Do I include these in my claim?
Be aware, the Royalties fee (was £8 then £10 now £12 I believe) always appears on your statement under the entry 'CHG TO A/C XXXXXXXX' on about the same day every month. If this CHG is more than those levels then there is an element of the CHG that is over-limit penalty which CAN be claimed.
The 'INT TO A/C XXXXXXXX' contains BOTH your authorised-overdraft interest AND any interest accrued due to UNAUTHORISED (i.e. over-limit) borrowing - charged at around 29.8%. You can claim some of this back if it can be attributed to penalty charges.
3 weeks ago I sent off a letter to the RBS reclaiming £878.28 in bank charges. Today I received a letter advising me that they will be refunding me the full amount. Happy days I hear you say. Unfortunately not! 20 months ago I entered a Trust Deed and have not used the RBS bank account since then. I currently bank elsewhere. My RBS account has remained open and currently is showing a £3500 overdraft. Todays letter says they will be crediting my RBS bank account, thus bringing my overdraft down. Lovely. Not! Has anyone experienced a similar conclusion and found a way to force the bank to pay these charges by cheque.
They are well within their rights to pay the money into this account and I don't think there is anyway of challenging their action - I have tried with several other people but I've run out of ideas.
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bertiep v RBOS
(Which have been taking over by the trust deed). Will they tell me to stop being so silly because I owe them so much?
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Originally Posted by bertiep
