I have 2 accounts with RBS

one is okay

other went overdrawn because of charges

sued bank 3 times to get charges back

they paid up before court case heard

by the time they paid other charges added so it was snowballing effect as their £28 monthly fee and interest added to debt .

Put another claim in which is now stayed due to OFT case

however other charges have continued other charges continue to be added now debt in excess of £500 charges claimed around £650 .

Even though case stayed RBS sent letters asking for cheque book back even though I dont use account in question

asked for cheque books back on other account which there is nothing wrong .

I phoned wrote but no one takes any notice .

Phoned up last week to see where my statement was and was told it was annual statement .

Rubbish I said

they said ie my local branch where Ive banked for 20 years you have to phone collection n centre .

i said why they said because both accounts there .

I phoned them they said I was on annual statement

one account £200 credit

other £500 debit approx

it seems they have cancelled all my standing orders and direct debits on account that was okay as its been moved to and they have amalgamated the accounts into one overall debt ie £500 -

£200 approx £300 i owe them even though if their charges given back they owe me .

They have defaulted me on accounts

employed Triton as recovery agents

say all my cheques Ive issued on good account will be returned and I must pay in to clear my deficit .

My pension goes in the good account as do other credits but as they say the accounts ie both are not operational I cant draw cash or anything at all .

I have spoken to branch

to debt recovery

they dont listen at all and say they can take whatever action they want for recovery regardless of the case at court which is stayed

surely if a debt is in dispute they shouldn't be bale to do that ?

as they have issued default surely as all debt and more is made up of charges that is illegal too ?

as I cant now get hold of my money in good account what do I do ?

If I take out another case for illegal default it will get stayed .

I cant take to ombudsman can i as charges case is ongoing default etc

I havent had a final response in effect no response

im in limbo

no money

no account

my credit history in more tatters because of default and I dont know what to do .

Triton is phoning me for money

texted me for money

getting letters form my direct debit people charging me more as payment not made etc as cancelled by bank on good account

Please advise Regards Gaz

I am in a very similar situation with RBS (except I only have 1 account). The account is showing about -£1200 all made up on charges and interest and I'm claiming £2200 but they are adding more and more interest on to the debt...I've personally opened a parachute account at Barclays and ignoring the RBS bull and I'll make a 2nd claim after the 1st one is concluded for all interest I've paid as my account would always have been at a positive balance. I'll also claim for all defaults to be removed.

At 1st I kinda buried my head in the sand and RBS passed my details on to fredrikson debt collection agency, I disputed owing anything as my account should be in positive balance and they returned it to RBS and I've not heard a peep since (except a letter that was phrased as if they WON the OFT test case LMAO)

Glad im not only one banging head against brick wall

Glad im not only one banging head against brick wall

I'd personally rate the IQ of the brick wall as being the highest they should know they're gonna fold in the end, and all they are doing is making sure I never bank with them in the future!

yes agree but what they are doing is making my bad credit worse and making things so so difficult to do anything bounce cheques cancel direct debits etc when I actually have money in the one account and the other debt is disputed because of charges hope someone can tel me where i stand legally

Can someone tell me what to do I cant get at my money surely thats illegal ????

I am sure that we can help you. However, the team - and many of the non-team read maybe hundreds of requests for help every day. We don't get paid. You could at least help us by using some spacing, punctuation and capital letters in your story. As it was originally it was really just too much trouble to follow. As I have rearranged it, it is far more legible and yet still not understandable in some places.

I'm not trying to cause you embarrassment but it is a serious problem and it will discourage all sorts of people from helping you.

I consider myself a bad boy now sent to the corner because Im not educated !!!