hi i was advised to look on this forum by a friend that thought you could help just checking i had a case before i started bothering, 3 years ago i joined the army i was in for a pathetic 2 months haha but at the end of the 2 month my money had built up in the bank, but i could only access this money 1 month after i came out of the army. as i was leaving the army i was told i was paid £50 pounds to much so they put the money in my account early so i could take the £50 pounds out and give them it back i also took £100 pounds out for the journey back, unfortunatley the army took my money back out of the account without me knowing and didnt let me touch it for 1 month when they took the money out i became overdrawn by £100 pounds which then built up to £300 pounds without me knowing basically meaning i had to give the bank £300 pounds of my money i earned for them doing nothing could i claim this back?, also after this when the overdraft was paid i spent my money until £6 pound was left in again i didnt know but a service charge was added which knocked my account £4 pounds overdrawn which again built to 60 plus pounds overdrawn could i claim this back, this may sound stupid on my behalf but i find it unfair that i lost 360 plus pounds of my hard earned money for nothing because i was told in the army just to sign for the account please help.

hi i was advised to look on this forum by a friend that thought you could help just checking i had a case before i started bothering, 3 years ago i joined the army i was in for a pathetic 2 months haha but at the end of the 2 month my money had built up in the bank, but i could only access this money 1 month after i came out of the army. as i was leaving the army i was told i was paid £50 pounds to much so they put the money in my account early so i could take the £50 pounds out and give them it back i also took £100 pounds out for the journey back, unfortunatley the army took my money back out of the account without me knowing and didnt let me touch it for 1 month when they took the money out i became overdrawn by £100 pounds which then built up to £300 pounds without me knowing basically meaning i had to give the bank £300 pounds of my money i earned for them doing nothing could i claim this back?, also after this when the overdraft was paid i spent my money until £6 pound was left in again i didnt know but a service charge was added which knocked my account £4 pounds overdrawn which again built to 60 plus pounds overdrawn could i claim this back, this may sound stupid on my behalf but i find it unfair that i lost 360 plus pounds of my hard earned money for nothing because i was told in the army just to sign for the account please help.

As far as I know, you can claim any charges as the principle is what is in dispute, not the account management.

Go for it and also add the interest for the time since it was taken.

Stick it into MCOL, it will get stayed, of course but the sooner you put a claim in, the more you will get at the end.

Jamie can you let us know what bank you are wanting to claim from so your thread can be moved into the relevant forum.

Hi and welcome to cag

I have moved your post to a thread of its own

You can start the claim for the return of your charges have a read of this link http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html for a step by step guide I would advise against MCOL as there isnt sufficient room for the particulars of Claim but would suggest that you file the claim at your local County Court using the N1 form .

All the letters needed can be found here The Consumer Forums - Bank charges templates (consumer)

saintly

The bank was Royal bank of scotland thanks for your help

I have moved your thread to the RBS forum

Ah.......nice one Saintly !

So, now we are in the right place, are you happy you know what you need to do?

So basically,if you have not yet done so,your first step is to send RBS a provisional letter saying that you want the charges back giving them 14 days to respond.

You should itemise the charges by date and amount.

There is a letter for this in the bank templates library which you can access from the menu or CAG front page.

The bank will likely respond with leaflets telling you about the test case bla bla bla-and saying that if you do file a claim they will ask for it to be stayed.

Once they have given you the final response,then you should file a claim in your county court.

RBS solicitors will then ask the Court to stay the claim-this is normal and you will be in the queue.

So thats the way to go.

Given that the amount is only £360 theres a small possibility that they will offer to refund you a partial amount -its your choice whether to accept it if this happens.

Can you say which years the charges relate to and what account was it ?