I want to claim back Bank Charges. I need to know how far back I can take this claim.

Also, I need some advice concerning the process of getting back my money. I am about to become engaged in a 3-way battle with the RBOS over the mis-sale of a loan. I have enlisted the support of the banking ombudsman. I really want to get even with this bank which has extorted over £9000 from me.

If anybody could help me, it would be greatly appreciated

I want to claim back Bank Charges. I need to know how far back I can take this claim.

 

Also, I need some advice concerning the process of getting back my money. I am about to become engaged in a 3-way battle with the RBOS over the mis-sale of a loan. I have enlisted the support of the banking ombudsman. I really want to get even with this bank which has extorted over £9000 from me.

 

If anybody could help me, it would be greatly appreciated

You can claim back the last 6 years worth of charges.

Your 1st step should be the FAQs but a quick answer is to download the DPA letter template and send that off so you can get your last 6 years worth of statements.

Many thanks for the advice. I have all my statements dating back to 1995 and I have just been going through them all tonight. This year has been a little barren as I have not been charged at all, but between 2000 and 2005, the banks extorted £1434.77, the largest amount being £695 during 2001 when I was a student.

I have yet to calculate the interest on all the accounts that I have had, but having read many of the threads I have spotted discrepancies.

I am in two minds whether or not to submit the details of the charges to the banking ombudsman as well. The charges accrued during the year I was a student are evidence to suggest that the RBOS had an ulterior motive to make me broke as a student, so that they could force a high-interest loan on me. These banks are evil. I will get the letter written in the morning. Cheers

I put a claim in today for £2100, to just over £1400 worth of charges and £685 in interest. I used one of the templates from FAQ, the letter which gives 14 days notice. I also got in touch with the Financial Ombudsman over this issue as it relates to a seperate claim over a loan I was entrapped into taking out in 2002. They are going to back me up over this. Watch this space...

You maybe able to help me. I had an RBOS credit card terminated by Mastercard in 2002, which racked up charges. Could I still have a case to take them to court to claim back what they took?

Obviously there are issues with your claim regarding the Limitation period. It is clearly no problem in going for charges during the last six years (five in scotland), but there is an argument that the Limitation period can be overturned. I would suggest having a look at seminole's thread v Natwest, and my thread v Bristol & West.

BTW..please don't hijack my thread again!

Many apologies for hijacking your thread Alan. I didn't mean to do it.

I will have a look at both your thread and seminoles thread v NatWest. I think I may have a case because when the card was terminated, Mastercard were paid back almost £2,000 plus interest. There were even charges on the minimum fixed payments as through being a student, it was impossible to pay them at times.

I will send a letter with the £10 asking for the statements.

On the other issue of the RBS itself. It was funny when I confronted the bank staff member with the letter. She went white as a ghost. I thought she was going to faint on me! It is a nice feeling when you can play these people at their own game. He. He. He. lmao

I had an interesting visit to my RBOS branch in Ormskirk last Thursday. I spoke to a Customer Service Manager at the branch and she has decided to go through my statements plus get copies of the ones that are missing. The RBOS may be about to supply me with their own ammunition so I can shoot back at them. The woman I saw took one look at the charges on the student account as well as the spreadsheet that had been compiled and thought that the charges accrued did look very excessive. I may pay the £10 to get copies of the statements for myself. I want to see where the land lies by Friday, which is deadline day.

The Banking Ombudsman has also taken an interest in the charges levied as I am prosecuting another case vs the RBOS over a loan I was bounced into against my will in 2002 (see Student Protest vs RBOS). If I had a scanner, I would have printed a copy of the Final Decision Letter that I received today, which was littered with lots of errors concerning times and dates of events of incidents regarding the loan.

After reading the letter over and over again, it left me wondering if the person who wrote the letter ever appeared on Jackanory!!!

Watch this space...

I need advice, the RBOS are about to make an offer of £400+ for charges dating back to 2001-02, when I had a student account. I have a seperate case that is about to go to the ombudsman adjudicator vs the RBOS over the missale of a loan, which is directly related to the charges. I am worried that should I accept the charges refund, it could weaken my case against the bank with the ombudsman.

I feel disgusted with the RBOS. After 5 years of stress and hell, this bank have as good as admitted they screwed up.