Hi Folks :grin: , (updates in blue) My story so far: 8th June 2006 - letter to RBS for bank statements 17th June 2006 - statements received on 17th June 2006 - no covering letter 19th June 2006 - letter to RBS requesting refund of bank charges 3rd July 2006 - letter to RBS re 'letter before action' 13th July 2006 - standard letter from RBS - 'our charges are fair' etc. 18th July 2006 - file small claim with Edinburgh Sheriff Court 12th September 2006 - prelimenary hearing date - RBS must respond on or before this date 14th September 2006 - letter from RBS solicitors and Edinburgh Sheriff Court. Solicitor submits an 'incidental application' on behalf of the Defender (RBS) to allow the attached Notice of Intention to Defend to be lodged late. Letter from Sheriff Court informs me I must attend court on the hearing date of Tuesday 19th September 2006 @ 9:45am. 18th September 2006 :grin: - phone call from RBS. Will settle claim in full, including expenses, today! Furthermore, as I could only afford to raise a small claim I told the bank I also had approx. £1,000 left to claim. I need to send them a full schedule of the charges and it's looks like they will be refunding the lot!!! Woo-hoo!!! More up dates to follow! 18th September 2006 - received e-mail from RBS confirming full claim amount plus court costs will be credited to my account tomorrow morning. Also, they are instructing their solicitor to request an extension on the court hearing date by 1 week until i'm satisfied I have recieved all the cash!!! Update soon! 19th September 2006 - RBS settled small claim in full - £739 paid directly to account this AM. List of outstanding charges sent direct to RBS solicitor for consideration. Hopefully, full and final settlement!!! Update soon!

Hi Folks :grin: , (updates in green) My story so far: 8th June 2006 - letter to RBS for bank statements 17th June 2006 - statements received on 17th June 2006 - no covering letter 19th June 2006 - letter to RBS requesting refund of bank charges 3rd July 2006 - letter to RBS re 'letter before action' 13th July 2006 - standard letter from RBS - 'our charges are fair' etc. 18th July 2006 - file small claim with Edinburgh Sheriff Court 12th September 2006 - prelimenary hearing date - RBS must respond on or before this date 14th September 2006 - letter from RBS solicitors and Edinburgh Sheriff Court. Solicitor submits an 'incidental application' on behalf of the Defender (RBS) to allow the attached Notice of Intention to Defend to be lodged late. Letter from Sheriff Court informs me I must attend court on the hearing date of Tuesday 19th September 2006 @ 9:45am. 18th September 2006 :grin: - phone call from RBS. Will settle claim in full, including expenses, today! Furthermore, as I could only afford to raise a small claim I told the bank I also had approx. £1,000 left to claim. I need to send them a full schedule of the charges and it's looks like they will be refunding the lot!!! Woo-hoo!!! More up dates to follow! 18th September 2006 - received e-mail from RBS confirming full claim amount plus court costs will be credited to my account tomorrow morning. Also, they are instructing their solicitor to request an extension on the court hearing date by 1 week until i'm satisfied I have recieved all the cash!!! Update soon!

Hi Folks :grin: , (updates in red) My story so far: 8th June 2006 - letter to RBS for bank statements 17th June 2006 - statements received on 17th June 2006 - no covering letter 19th June 2006 - letter to RBS requesting refund of bank charges 3rd July 2006 - letter to RBS re 'letter before action' 13th July 2006 - standard letter from RBS - 'our charges are fair' etc. 18th July 2006 - file small claim with Edinburgh Sheriff Court 12th September 2006 - prelimenary hearing date - RBS must respond on or before this date 14th September 2006 - letter from RBS solicitors and Edinburgh Sheriff Court. Solicitor submits an 'incidental application' on behalf of the Defender (RBS) to allow the attached Notice of Intention to Defend to be lodged late. Letter from Sheriff Court informs me I must attend court on the hearing date of Tuesday 19th September 2006 @ 9:45am. 18th September 2006 - phone call from RBS. Will settle claim in full, including expenses, today! Furthermore, as I could only afford to raise a small claim I told the bank I also had approx. £1,000 left to claim. I need to send them a full schedule of the charges and it's looks like they will be refunding the lot!!! Woo-hoo!!! More up dates to follow!

Hi Folks , My story so far: 8th June 2006 - letter to RBS for bank statements 17th June 2006 - statements received on 17th June 2006 - no covering letter 19th June 2006 - letter to RBS requesting refund of bank charges 3rd July 2006 - letter to RBS re 'letter before action' 13th July 2006 - standard letter from RBS - 'our charges are fair' etc. 18th July 2006 - file small claim with Edinburgh Sheriff Court 12th September 2006 - prelimenary hearing date - RBS must respond on or before this date 14th September 2006 - letter from RBS solicitors and Edinburgh Sheriff Court. Solicitor submits an 'incidental application' on behalf of the Defender (RBS) to allow the attached Notice of Intention to Defend to be lodged late. Letter from Sheriff Court informs me I must attend court on the hearing date of Tuesday 19th September 2006 @ 9:45am. So, it seems that RBS (now known as edit B******S of Scotland) are attempting to defend my claim:-x . Well, on Tuesday 19th September I intend to request that the Sheriff dismisses any request from RBS to delay there response and that they have had long enough to cough up my cash. Not to mention there late, and frankly poor response, makes not only a mockery of the Scottish justice system but has now p****d me off to the max!!! If anyone has had a similar experience I'd appreciate any advice you can provide. I'll up date this post after i've been to court and let you know the outcome. Hopefully, i'll get my cash back???Then i'll be laughing my way to another bank. EDITED due to libelous wording.

Yeah, I figured as much. As soon as I get my charges back i'm definately cancelling this account type and may even switch banks all together.

Thanks for the advice. However, I was advised to change to the Royalties Premier account by a member of Bank staff who told me it would give me a lower interest rate on my loan repayments. She did not, either verbally or in writing, explain anything about any charges for this type of account?

Hi Folks, I am in the early stages of reading through the site and contemplating instigating the request for repayment of bank charges. However, an incident has occured earlier today with 'my bank' (huh!) that has got me thinking. About 2 years ago I took out a loan with my bank and based on the advice given at the time I was told that if I changed my account to a Royalties Premier acount I would pay smaller interest rates on the loan. Sounded great, no mention of any extra costs or fees, either verbally or in writing so I went for it. I have just incurred a bank charge of £38 for going £15 overdrawn for 3 days and noticed on my statement that there is another charge for £15. I called the bank in a rage (well, not quite) only to be told that I have been charged £15 every month for the Royalties Premier account! Is this a charge that I can also claim for? I hope it is! Any help would be much appreciated.