I put another thread on here ages ago about my bank charges by the RBS. To cut a long story short - i had an extended over draft - 'verbal' agreement that they call, i remembered giving them a date of when it would revert back to my ORIGINAL overdraft. However, i forgot about htis and days latter i received a letter - reveiw date, terms and conditions - this letter did no say what it was reffering to, i then assumed it would relate to my EXTENDED overdarft. Anyways they cancelled my extended over draft without notice. This left me over 1k in the red. I called customer services on several occasions to resolve this - only to be told: 'sorry we cant help you'. I also went into the bank to complain about this - they promised this would be taken care of. They gave me over 500pounds in charges because of unpaid DD ect. Anyways, on occasions when i called customer services, i had some DD coming out - i checked online banking and it said the items were paid, i asked the customer services advisors and they agreed it did go through - WRONG - what they did NOT do wa sinform me that if i have insufficiant funds the DD would come back unpaid - this thenb put me in a great position to get my money back - illeglay missinformed information - tut tut RBS.

So...this is how i got my money back:

I wrote a letter expalining that i recevied that reveiw date - which did not tell me what it was for. I also complained about customer services telling me they could not help me when they sent letters telling me to call customer services to sort this issue out in the first place. I also said they (customer services) told me the wrong information and claimed my DD went through when they did not. I then told them becuase i had no money and they were charging me for everything i was homeless and in hospital becuase i did not eat. I told them i went to the CAB and seeked legal advice and said i would take them to court.

They then refunded ALL the money back into my account

Hi, well done you! were you really homeless and in hospital?:o

Hi, well done you! were you really homeless and in hospital?:o

Yes i was homeless at one point. not whilst in ths dispute. no

Tsk tsk, i dont condone lying but i suppose they 'the banks' do enough of it so good for you!

Tsk tsk, i dont condone lying but i suppose they 'the banks' do enough of it so good for you!

I neve rlyed, i just never told the truth