Thread: annifridsl04 vs RBS

Ive just started to add them up and Ive got one that im not sure if its a charge or an account fee...

CHG TO 06SEP A/C XXX £9.03

Can anyone shed any light?

Anni

Ok I think I've done them right. I have a question though. I extended my loan & when I went into the bank they told me I was high risk & that they would be taking my Switch card off me and changing my account back to a current account. Now they took my switch card off me and gave me a standard hole in the wall card. But what they didnt do was change my account back to a current account. So I was still paying the £12 monthly fee, this went on for nearly a year and then I ACTUALLY LOOKED at one of my statements, (I dont usually do that) rang them and they changed it. But said they couldnt do anythign about the charges.

Im starting to think that now they can...So do I include them on my schedule?

Ta Anni

I think you can add them to your claim as it was a charge for a service that they were not giving you.

sparkie1723

Should I add something into the prelim letter about why im claiming them??

Thanks
Vic

I would add a note giving the reason that as you were not being given facilities this charge was made for you have the right to reclaim them and add them to the claim something like that, plus interest of course.
sparkie1723

Ok brill...thanks for your help.

Also, do I still have to send the letters recorded delivery?

Originally Posted by annifridsl04

Also, do I still have to send the letters recorded delivery?

I would if I were you!
Best of luck with your claim

Hi annifrids104,

If the Bank really want to be funny, they could and can use, some of the money to offset any debt your mum owes i.e. the O/D even though it is an agreed one , but that I believe would be considersted a retaliatory, punitive action and a court would not like that I dont think,

If you want it sorted quick, I would pay the overdraft off now, and the tell the Bank you want it in a cheque, which they CANNOT refuse to do. Then you can put the cheque anywhere you want to.

It is your money and if you wanted to collect it in pound coins from the Bank you have the right to ask for it that way.

sparkie

anyone?

Hi annifrids104,

Yes you should have done, but you can allways ammend your claim before any court hearing ....should it come to that ...but go ahead now and submit an ammended claim to inlude those fees , this time send it recorded delivery.

sparkie

Hi annifrids........I'm not sure what you are saying about your mums claim (but I'm not the brightest of blokes).
If she gets the settlement paid into her account it will automatically clear her overdraft then she can draw out what is left.
She will want to clear the overdraft because this will probably be attracting interest charges.
eg. o/d £200..............settlem ent £2000........a/c bal = £1800

Whatever happens she has still got to pay back the overdraft!!

I've probably totally misunderstood your question, if so I'm sorry!!

Thanks guys...you didnt misunderstand canobeans. She just didnt want then nicking anymore money off her than she pwed them. Also thanks sparkie, I did claim the fees so I guess I'll just have to wait and see if I get anything back. Otherwise I'll have to do my MCOL. Scary!!

Thanks!
Anni