Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I've been stupid. Until now, I never knew what the words overdraft truly meant, I'm genuinely disabled btw.
The RBS have been charging me £28 + interest from about August last year and I need advice.
They said in my statements that I didn't need to pay money into my account and now I got told at the weekend that I have until friday to get it clear or they'll take action against me.
i owe them £252.31......I just transfered £260 online from my Clydesdale Bank on Saturday and the money was taken off my Clydesdale Bank account today, I emailed Clydesdale Bank to see how long it'd take on Sunday, to get a rough idea when it would clear and they said today that because yesterday was a bank holiday, it is due to enter my RBS account on Thursday.
I told the RBS this today over the phone and they said ok, and i told them i have solid proof that i have attempted to pay it off and from next month on i'm in a position to pay £100 a month into my account.
In case it's not and action is taken, what should I do? I don't want to worry ma parent they have enough on their plates without their thick daughter getting into trouble with the bank.
As a precaution, I have printed off my statement today and also proof that the funds cleared from my clydesdale account.
Do I have a right to ask for these charges back once they clear? I definately can't afford to pay it off tomorrow as I don't have enough money in my account to do that without overdrawing on that too.
I'm 24, never been in trouble with anyone
Help!
I'm such a worrier and I'm in tears with this, I know I'll never do it again!
I've been stupid. Until now, I never knew what the words overdraft truly meant, I'm genuinely disabled btw.
The RBS have been charging me £28 + interest from about August last year and I need advice.
They said in my statements that I didn't need to pay money into my account and now I got told at the weekend that I have until friday to get it clear or they'll take action against me.
i owe them £252.31......I just transfered £260 online from my Clydesdale Bank on Saturday and the money was taken off my Clydesdale Bank account today, I emailed Clydesdale Bank to see how long it'd take on Sunday, to get a rough idea when it would clear and they said today that because yesterday was a bank holiday, it is due to enter my RBS account on Thursday.
I told the RBS this today over the phone and they said ok, and i told them i have solid proof that i have attempted to pay it off and from next month on i'm in a position to pay £100 a month into my account.
In case it's not and action is taken, what should I do? I don't want to worry ma parent they have enough on their plates without their thick daughter getting into trouble with the bank.
As a precaution, I have printed off my statement today and also proof that the funds cleared from my clydesdale account.
Do I have a right to ask for these charges back once they clear? I definately can't afford to pay it off tomorrow as I don't have enough money in my account to do that without overdrawing on that too.
I'm 24, never been in trouble with anyone
Help!
I'm such a worrier and I'm in tears with this, I know I'll never do it again!
Yes you have a right to claim all unauthoised overdraft fees fgoing back 6 years. Now get a tissue dry those eyes and have a thorough read up on the FAQs.
Yes you have a right to claim all unauthoised overdraft fees fgoing back 6 years. Now get a tissue dry those eyes and have a thorough read up on the FAQs.
This makes my blood boil Grrrrrrrrrrrrrr.
Paul
thanks for the reply. i have contacted the financial obsman by email and i am going to send their form 1st class recorded delivery and hand in a letter to the bank today. hopefully they will reply asap cos i didn't like the way i was fobbed of on the phone at their 0845 phone number.
There are plenty of people in far worse financial states than you - it is very easy to do and is not a measure of how thick you are. I myself ended up with a £1500+ overdraft TWICE that I couldn't pay.
It sounds as though you have sorted things by paying the money into your account so fear not. Even if the money isn't in by Friday, I doubt very much that RBS would be so quick to react. I am confident that this letter is a demand which is intended to stir a response, but can't imagine that they would immediately do anything on Friday.
There is a simple Step by Step guide on the forums here....
which should assist you in the process of claiming back any charges that they have added to your account. I have also produced a guide on working out RBS charges which you can find here...
You should be able to go through this process yourself using these guides.
Be aware, that at some point over the next few weeks, the RBS will charge you again because you are currently overdrawn. Ensure you have enough money in your account at that time so that it doesn't go overdrawn again otherwise you will be in a vicious circle of clearing your overdraft, charge sends you over overdraft, clear overdraft etc etc. You are well within your rights to ring the bank and ask what date the next charge is coming out so you know when to put the money in by.
If you have any questions, ask away. Plenty of helpful people around willing to help
If my post has been useful, tip my scales and let me know
I would like to register my complaint about the charges that have been applied to my account from August 2006 to 8th May 2007.
My name: [lonelygirl82]
My address and phone number:
My account number is and sort code is
You’ve been charging me unlawfully I believe since August 2006, and as of today, Wednesday 9th May, I owe you £282.31, it was £272.31 but I paid off £20 last week and I have attached proof that I am making an effort to pay it off. As you will see, my Clydesdale Bank statement clearly shows that between fund transfers and standing orders there was money taken off my account on the 26th April (£10), 1st May (£10) and finally the 8th May (£260 + £10), 9th May (£25.00), all of which are destined for my RBOS account.
I have attached copies of the Fund Transfer for £260 along with emails
that proved when the money was to be paid into my RBOS account.
When I opened this account, I never agreed to an overdraft and neither of
your staff discussed one with me when I opened this account with you.
As I stated over the phone on Saturday 5th May and then again on Tuesday 8th May, I’m now in a position to pay back in £100 month until the end of June and I'll do this via Standing Orders of £25 a week. From July, I’ll be paying back in around £200 a month.
What I would like you to do to settle my complaint is give me back my
money which I am more than entitled to ask for.
If you need more information from me, you can let me know when you contact me to confirm you have received my complaint.
I understand that under the FSA rules you should send me a final response within eight weeks of the date you first received my complaint.
I can see what you are trying to do and I commend the letter but I am sure you will not get anywhere with this as they will simply tell you that their charges are acceptable and they will not refund you anything.
If you wish to confirm the money that is going in, then do that in the above letter, but as for claiming back charges, I don't think sending them a letter like the above will carry enough weight for it to be successful.
I would suggest you have a look at the guide I gave you a link to as this offers instructions on how to claim ALL your charges back and also provides template letters that you simply print off and send.
As for your overdraft.....If you are £281 overdrawn and are sending in £260 this week, that will leave you £21 overdrawn, so why do you need to send them £100 a month for the next two months? Are you expecting any more money coming out?
If my post has been useful, tip my scales and let me know
Lonelygirl....they're getting the response from you they want....to intimidate and frighten you so they can make bigger profits.
In a school playground this would be seen as bullying!!!
Do as T4FF says and read through other members exploits and you will soon realise that you are not alone. There is a wealth of information on this site.......and help by the lorryload.
I would like to confirm that I am paying back charges I owe you. My account number is xxxxxxxx and sort code is xxxxxxx.
I owe you £282.31 in interest and charges, it was £272.31 but I paid off £20 which made it £252.31 last week and I now see you added on another £28.00 charge + £5.68 interest yesterday!
I have attached proof that I am making an effort to pay it off. As you will see with the attached bank statements, my Clydesdale Bank statement clearly shows that fund transfers and standing orders there was money taken off my account on the 26th April (£10), 1st May (£10) and finally the 8th May (£260 + £10), 9th May (£25.00), all of which are destined for my RBOS account.
I have attached copies of the Fund Transfer for £260 along with emails exchanged between me and Clydesdale Bank that proved when the money was to be paid into my RBOS account.
I’m now in a position to pay back in £100 month until the end of June and will do this via Standing Orders of £25 a week. From July, I’ll be paying back in around £200 a month. These will be savings for the future.
I trust that this is the end of the matter and you will not take any further action against me.
If they have put charges on your account you should be writing to get them back....not to pay them more!!
Follow the advice on this site and CLAIM BACK any charges they have levied.
Help!
truly meant, I'm genuinely disabled btw.
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Originally Posted by lonelygirl82
