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Go Back   The Consumer Forums > Welcome to the Consumer Forums
Reload this Page hi there you crazy kids :)

Welcome to the Consumer Forums Free advice and support to reclaim your bank charges or to solve other consumer problems.
Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

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Old 8th February 2007, 01:07   #1 (permalink)
alexjj
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Default hi there you crazy kids :)
First post, no doubt of many.

Been routed off here from SXOC my car owners forum which has a large thread (hi guys) on this topic...

Anyhoo...

Im now away to start reading up... silly question but is there not a step by step guide on what to do? Not immediately apparent so far - big site!!

I am away to take on the behemoth leeches that is RBS.. Help!!

I now have statements - and will start totting up charges.

I have a query. Large overdraft - which I pay interest on. This is an agreed amount. Occasionally this has gone overdrawn (charges here! ££) then I also get slapped with a maintenance charge and also a charge for whatever it was I got charged for in the first place!

What the hell is a maintenance charge? I already pay a fortune in interest to them

They certainly arent the cheapest of banks for charges - I think the abbey is much cheaper from what I have seen so far!
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Old 8th February 2007, 01:12   #2 (permalink)
mbdiss
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Default Re: hi there you crazy kids :)
hi alexjj have a read of the FAQ's and here is the link for the step by step guide http://www.consumeractiongroup.co.uk...tructions.html

good luck with your claim
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Old 8th February 2007, 01:16   #3 (permalink)
Rooster-UK
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Default Re: hi there you crazy kids :)
I'm not totally familiar with RBS charging regime, but does this "maintenance charge" appear on your statements when you are within your authorised O/D limit as well, or only when you go into UNAUTHORISED O/D.
If you get this charge, regardless, then it is the charge for allowing you an overdraft and as it is a fee for a service supplied, then you cannot reclaim it.
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Old 8th February 2007, 01:23   #4 (permalink)
mbdiss
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Default Re: hi there you crazy kids :)
from what i remember i beleave it is a charge for going over your O/D limit but not 100% cos they have change there wording since i last banked with them
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