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Royal Bank of Scotland harrasses the sick & dying and steals from 80y/o pensioner
I wrote the following before discovering via this site that people other than my brother had suffered unjustly at the hands of the RBS. The question I would like answered now is: Is there any chance of recovering this money from the bank given that I live in Australia and my mother is not capable of dealing with something like this? Any help would be appreciated. I feel very bitter towards these people as you can tell from the following:-
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Around December 2004 my late twin brother was unemployed, living basically from hand to mouth and as a sole parent, looking after his two sons in a council flat in Coupar Angus, Scotland. Unknown to him, his RBS bank account had gone into debit although he had not asked for an overdraft facility and most certainly would not have wanted one. The amount was a paltry £35. However, being unaware of this, he continued to use his Switchcard to buy groceries but every time he used it the bank charged him £60, even if he only spent £5. Before he was even aware what the bank was doing, he owed them £277.
Quite rightly he refused to pay these outrageous charges, but the bank continued to charge him interest on the debit amount so that the debt grew so large that even had he wanted to pay, he would have been unable to do so. The bank continued to hound him, right up to the day he died. Not having the decency to deal with him in person, they set a debt collector on him to do their dirty work. In the end, while he lay on his deathbed, my mother found the letters from the debt collection agency and paid the debt for him. My mother is 80years old and lives on a pension but of course the bank doesn't care about that.
The Royal Bank of Scotland should be ashamed of themselves. This is a deliberate policy of the bank to trap people into spending more money than they have then punishing them by charging exorbitant fees. My brother never asked for an overdraft and he would rather the Switchcard rejected the transaction when the amount exceeded his balance. The bank knows this but have no conscience about stealing money from the disadvantaged. The faceless fatcats who sat around the boardtable and put this repulsive policy in place are the scum of the earth. My brother was a decent human being which is more than can be said for the heartless bandits at the Royal Bank of Scotland.
Re: Royal Bank of Scotland harrasses the sick & dying and steals from 80y/o pensioner
Condolencies for your loss. I have some idea of how angry you must be as I was having identical problems when my mother was terminally ill.
The charges will be for 'card misuse' or somesuch, and in theory may be recoverable - I guess it could depend on who is dealing with his estate. It may well be though that as your brother is deceased there is no way to bring an action. I'm afraid I can't answer this.
Re: Royal Bank of Scotland harrasses the sick & dying and steals from 80y/o pensioner
Mr Bump
Thanks for the reply and the kind thoughts. I am also doubtful if anything can be done at this stage. I did get a predictable reply from the RBS, stating that they were unable to investigate my claim as I had not supplied an account number. It was true, but also obvious it was a standard brush-off technique. I have made a more forceful claim now armed with information I gleaned from this site. Whatever happens, exposing the RBS for what they are in a public forum provides some level of satisfaction. Reading the successes others have had in defeating these scumbags in suits is also a soul-cleansing experience.
Regards, Sam.
Re: Royal Bank of Scotland harrasses the sick & dying and steals from 80y/o pensioner
Whoops! Something went wrong there!
My condolences also. I lost my mother a few years back and once I started my claims against RBS I got all excited thinking I could claim back the charges she was no doubt dealt with when her business went up the swanny. I did make some enquiries a while back with regards to this and the response was along the lines of this....
The issue you have is that the Data Protection Act only applies to living individuals and does not mean that you as the executor (or whoever is) is able to take this up on your brother's behalf. The bank can therefore refuse this information on the grounds that they are not obliged to disclose it.
If you have the statements yourself, then you can continue the claim and will be successful - for help in how to identify RBS charges, what is claimable, what isn't, click on the RBS Charges link in my signature.
If however, you don't have any information with regards to your brother's account, you may have difficulty in obtaining your data. It could be that RBS aren't entirely sure of the rules and could disclose the information to you. On the otherhand they might.
There is a link to my questions and responses here.
You didn't mention how recent your brother's death was - if all the legal stuff is still in progress and your solicitor is still involved, it may be worth seeing what they think about it if you do not get the desired response from RBS. Try to do things on your own first! No point in your sol skimming their share of any refund off the top.
Any questions you have, ask away, will do all I can to help and others will too
If my post has been useful, tip my scales and let me know
Re: Royal Bank of Scotland harrasses the sick & dying and steals from 80y/o pensioner
Thanks, T4FF, I am dealing with a CRM at the bank at the moment and there are no legal proceedings in the pipeline at present. She appears reasonable so I am hoping for an acknowledgement of the error of their ways in regard to my brother's account and the repayment of the money to my mother.
My brother hated that bank with a vengeance and always vowed he would "get his revenge" one day. Sadly, that was never to be but maybe I can carry on the fight for him.
Royal Bank of Scotland harrasses the sick & dying and steals from 80y/o pensioner
. The question I would like answered now is: Is there any chance of recovering this money from the bank given that I live in Australia and my mother is not capable of dealing with something like this? Any help would be appreciated. I feel very bitter towards these people as you can tell from the following:-
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