Hi,

HELP!! I'm new to this so please excuse my ignorance if I am asking stupid questions. I, like everyone else here have been charged criminal amounts by RBS over the years and I want my money back!

I have almost all of my statements for the last 6 years apart for the first 6 months of 2001. I was originally just going to claim from Jan 2002 and forget 2001 but having read some of the comments here I am thinking I should get the statements from the bank before completing my calculations, would you agree?

Can I also ask if anyone can clarify a couple of other things:

Presumably you can only re-claim overdraft interest that was charged while you were still within your agreed overdraft limit?

Can you only reclaim charges made for rejected direct debits if the charge was more than the actual direct debit itself?

On some of my statements I have a monthly fee which is obviously just for the pleasure of me keeping my money in their bank + overdraft interest. But I also have a maintenance charge of £28.00 + a returned direct debit charge of £38.00 on top. Can I reclaim the maintenance charge and the direct debit charge?

Again, apologies if I am asking too many stupid questions but want to be absolutely sure of what I am doing before I go in guns blazing!!

Many thanks in anticipation of any help I can get.

I have almost all of my statements for the last 6 years apart for the first 6 months of 2001. I was originally just going to claim from Jan 2002 and forget 2001 but having read some of the comments here I am thinking I should get the statements from the bank before completing my calculations, would you agree?

 

Yes, I think you should get all your statements back to when the account was opened!

Presumably you can only re-claim overdraft interest that was charged while you were still within your agreed overdraft limit?

 

I'm not sure what you mean by this but I would do the spreadsheet and claim the overdraft interest. The spreadsheet will do it for you!

 

Can you only reclaim charges made for rejected direct debits if the charge was more than the actual direct debit itself?

 

No, no, no, you are way too nice! Just reclaim the charges - they are all unlawful!

 

On some of my statements I have a monthly fee which is obviously just for the pleasure of me keeping my money in their bank + overdraft interest. But I also have a maintenance charge of £28.00 + a returned direct debit charge of £38.00 on top. Can I reclaim the maintenance charge and the direct debit charge?

 

If you have a Royalties account you cannot claim back the fee for that. But you certainly can claim back the maintenance charge and returned DD charge!

 

Keep us posted and good luck, not that you'll need it. If you need any more help just ask :)

good answers

Thanks for your help guys.

I only need 6 months worth of statements as I've got all the rest so can I just change the letter provided in the library but change it a wee bit to request the dates I am missing or would I be just as well getting the whole 6 years worth? (actually, ignore that question, it's the same cost no matter how many years I'm asking for isnt it)

No doubt I'll be back soon asking more daft questions!!

Chezzie

Thanks for your help guys.

I only need 6 months worth of statements as I've got all the rest so can I just change the letter provided in the library but change it a wee bit to request the dates I am missing or would I be just as well getting the whole 6 years worth? (actually, ignore that question, it's the same cost no matter how many years I'm asking for isnt it)

 

No doubt I'll be back soon asking more daft questions!!

 

Chezzie

Not relly daft questions.........but the answers are here either in the Faqs or within other posters threads !!

Help ma boab!

Sent initial letter requesting £3013.88 taken from my account in charges over the last 6 years be refunded to me.

Have returned from hols to find a letter (obviously same letter as some of you guys have received) from bank stating the same stuff "we do not accept the OFT's findings blah, blah, blah so you aint getting no money!"

I was a bit hesitant to proceed but having read some of the other threads from people who had received the same letter I'm trying to pluck up the courage to keep going (although concerned about court costs), any words of encouragement?

You want words of encouragement?????

THEY HAVE GOT YOUR MONEY. And the law says you are entitled to it back.

end of.

GERRINTAE THEM!

j

Straight to the point

but absolutely spot on !!