I currently have a current account that i pay for 15 pounds a month. i've never the used what it offers and i never signed up for it in the first place it just appeared about a year ago. i want to get rid of it as i don't want to pay for something i don't use but i have a large overdraft and i'm worried in case it affects the overdraft facility.. the bank is RBS.

if you just want to stop paying it then they will be unlikely to call in your overdraft for that, but if you intend claiming it back since you started paying it as it was mis sold, you never know what they will do.

It wasn't mis sold as it was never sold to me! They just added it to the account without telling or asking me!!.. there is no way on this earth they will have a signed agreement from me for it as i know i never signed one

So they just converted your account to Royalties Premier or something like that?

I did sign up for the account in question so I know what I was signing for. But if they just suddenly converted a free current account to one that incurs a fee without your permission, then they must clearly be illegal - not mis-sold but just plain illegal. Put another way, it is like walking through a store and someone puts a product in your hand and takes money out of your wallet!

Any legal eagles here may have something else to say.

Yes, that is what happened, i didn;t sign a thing i was quiet happy with the free account as i'd never get anything out of the benefits on the premier account

Well if you haven't signed anything and they have been charging you then that would likely come under a different rule to reclaiming bank charges. It is a legitimate service charge, but not in your case it seems as you didn't sign a contract for the service.

I would go into the branch and kick up a big fuss, ask for all payments back plus interest and a guesture of goodwill as an appology.

you could either let them credit it to your account and reduce the OD or just tell them you want it for christmas shopping.

Or you could keep it running a few years and let it accrue a ltiile more interest before you claim:)

Having just spoke to the bank i was given this premier account because i increased my overdraft last year!!!!.. Don;t know how that works? I've told them unless everything that i've paid over the last 12 months in fees isn't reinbersed in to my account by the close of business tomorrow i will be taking it further.

This is the second time in 6 months something like this has happend. Earlier this year a member of staff at the same branch applied for a credit card for me without me asking and i didn;t even want one

Hmmm, well increasing your overdraft does not imply switching accounts - particularly one that carries a fee. I had to sign a form for that account which included a credit check, so how they can just switch you and start charging you is anybodies guess.

Let us know how you get on with them reimbursing you. I take it they smiled sweetly in the branch to keep you quiet!

I've still not recieved anything back since my compaint but have been told that the loan i took out had a preferential rate as to the basic account and as i hvae now got the basic account back then my loan rate will change and i will pay more than i am doing now!! Is this right can they do this?? i understand that the difference on the overdraft will change but thought i had signed for fixed personal loan and not one they can change??

I know of a few accounts that give preferential rates on loans (and interest on savings for that matter) when you have a premium current account with the provider. They have every right to offer a better rate in that case. BUT I doubt very much that they have the right to switch your account to a premium one that you pay for without your consent.

Perhaps you did and didn't realise (small print that you need a magnifying glass for perhaps?). In that case, perhaps you could go after the fact they missold the loan to you.

I'd check the terms and conditions carefully. Perhaps ask for a copy of the signed agreement if you don't have a copy - check that carefully. If you are still certain you didn't sign for it, report them to the ombudsman. Be careful though as they may get nasty over your loan and cause you grief.