Thread: srrray v RBoS

RBS have just started to charge me with something I have never seen before:-

CHG GTEE CARD PYMT FEE - £35.00

This is because one of my cheques (guaranteed) was presented to them when there were insufficient funds in my account.

Has anyone claimed these charges back before?

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Sounds like a penalty charge to me?

The Unfair Terms in Consumer Contracts Regulations 1999:
" ... a contractual term shall be regarded as unfair if it causes a significant imbalance ... this includes terms which have the object or effect of requiring any consumer to pay a disproportionately high sum in compensation."

Add it to the list ...

T.

Thanks Todge.

I sent off a letter to my bank manager and needless to say, he thinks the charges are reasonable and has rejected my request to have them repaid.

I have successfully reclaimed charges from RBoS previously, so this is effectively a new claim. He mentioned in his letter that RBoS had already reimbursed me with a substantial amount of money last year so no further claims would be entertained.

Has anyone else made a second claim against a particular bank and been successful, that you know of?

Do I have a chance of being successful 2nd time round? The sum in question is less than £200, but it's £200 that I can ill afford to lose.

Definately a penalty charge. Send an lba. GOOD LUCK.http://www.consumeractiongroup.co.uk...re-action.html