http://www.rbs.co.uk/content/persona...december07.pdf

Can anyone make out if there are any notable changes?

Im terrible with all that legal jargon.

I had a quick scan and noticed that the type of account i hold, royalties gold, will no longer be available to open.

It also says something about people who own these accounts (which will no longer be available to open) will have their account switched or CANCELLED by the RBS.

Is this a back lash to the bank charge reclaiming? I have reclaimed £480 on this account and am in the process of reclaiming £1800(its stayed) from my partner and I's joint account.

Will this give them power to pick and choose who's account will be closed??

On another note:

I shouldnt have this account in the first place as i never signed any agreement for the upgrade and yet i have been charged £6 a month in fees for the last 4 years(ive held my IPCA since i was about 6 and im now 25). I asked them last week to prove that i agreed to the upgrade and im waiting on a response.

What do you think my chances of getting my fees back?

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http://www.rbs.co.uk/content/persona...december07.pdf

 

Can anyone make out if there are any notable changes?

Im terrible with all that legal jargon.

yes there are... e.g.

a Paid Referral Fee.

an Unpaid Item Fee.

a monthly charge known as a Maintenance Charge; and etc.

 

I had a quick scan and noticed that the type of account i hold, royalties gold, will no longer be available to open.

It also says something about people who own these accounts (which will no longer be available to open) will have their account switched or CANCELLED by the RBS.

Generally banks have the right to terminate accounts if they wish; this is the case even where accounts are of aa type that is still available to open

Is this a back lash to the bank charge reclaiming?

No, it's pretty common for banks to change their account structure

I have reclaimed £480 on this account and am in the process of reclaiming £1800(its stayed) from my partner and I's joint account.

Will this give them power to pick and choose who's account will be closed??

In effect they already have this power, but to use it because of a claim would be counter to the FSA waiver.

 

On another note:

I shouldnt have this account in the first place as i never signed any agreement for the upgrade and yet i have been charged £6 a month in fees for the last 4 years(ive held my IPCA since i was about 6 and im now 25). I asked them last week to prove that i agreed to the upgrade and im waiting on a response.

What do you think my chances of getting my fees back?

You might have a case, but most judges would think if you had it for six years, you should have noticed at some point.

 

..

Thanks very much m8.

I noticed the monthly fee for an unauthorised overdraft on my last statement.

£28 the cheeky sods.

It now means that if i go over my overdraft by as little as £0.01 i will be charged instantly £34 and then a further £28 art the end of the month.

Great!