Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


Patricia Pearl - Small Claims Procedure - A Practical Guide

An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1

    Default RBS - Incurred bank Charges after working there!

    Hi All,

    This is a tricky one so i'll try and cut it short....

    About a year ago, I was employed at RBSicon. I left after 3 months, and received a small payment the month following my leaving for pay I was owed. One month later, I received a letter from RBS stating that I had been overpaidicon by 300.00 and this would be deducted from my NatWest payroll account a week later (Note - working for RBS means you have to have a RBS group payroll bank account)

    After telephoning RBS and instructing them I could not afford this, and asking the make a reasnoble payment arrangement, they flat out refused. I then withdrew all monies from the account and placed a complete bar on transactions. Low and behold! The bank withdrew the money anyway! (taking 300.00 from an account with a 0.00 balance!)

    I telephoned RBS and got passed from HR, to Payroll, to my old line manager and back again. I have received no evidence of overpaymenticon, and advised RBS that under no circumstances would I repay any of this money without evidence.

    About a month ago, I received a default notice on this account which has racked up 400.00 (plus the original 300.00) in default fees and interest. I approached my NatWest bank manager and asked him to intervene, although sympathetic he was unable to help at all.

    I then sent a formal letter of complaint to Natwest advising I was placing my account in dispute, to which they replied it was nothing to do with them as my complaint was with RBS!

    I have just sent a notice before action advising all monies must be refunded within 14 days - my position is -

    1 . How can RBS make an order to deduct money from a NatWest bank account (which is a distinct and seperate legal entity)

    2. Why had RBS retained my bank details 2 months after I left?

    3. How can NatWest authorise a transaction from RBS which takes 300.00 from an account with 0 balance, AFTER I placed a bar on all transactions?

    4. RBS and NatWest have refused all attempts at a mutual resolution!

    What are your thoughts guy? Would love to hear any advice.....

    On a personal note, i can't believe it is legal for an employer to control your BANK ACCOUNT as well! surely this gives the employer too much power? I understand this is the base with all Bank employees these days,

    With Thanks in Advance

    Dan Hulse

    Daniel (nospam) @

  2. #2

    Default Re: RBS - Incurred bank Charges after working there!

    The banks do as they please. With NatWest being part of RBSicon, RBS are able to recover monies from within the group as a whole. The banks will always take money from the consumer when its to line their own coffers, that includes taking you overdrawn.

  3. #3

    Default Re: RBS - Incurred bank Charges after working there!

    I have e-mailed you Dan

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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