Hi all you disgruntled RBOS customers, my very first post on this (or any other) forum and grateful thanks to BlueSkies for showing me how!

I'm new to the internet, new to broadband, new to moneysaving and new to revenge, but I'm more than ready for the fight ahead and itching to get on with it. Bring it on!

If there's anyone there who wants to share experiences I'd love to hear from you.

Hi Sweetrevenge

and welcome to the RBS forum!!!

You'll find that there are plenty of people willing to help, all of whom have been through exactly the same thing and are fighting back against the RBS and more importantly winning!!!

First of all have a good read around the forum and get a feel for the tactics RBS tend to use, as they all tend to follow a similar pattern, and post back here if you have any questions etc or just need a bit of support.

Stacy xx

Hi Stacy and thanks its nice to know i'm not on my own out here! Sent off my DPA on Friday Recorded delivery so I've set the ball rolling - i recognise its a slow one tho!

Looks like you've had lots of success - always encouraging to hear. I'll spend the time waiting having a look around as you suggest.

Speak soon

SR xx

Hi all,

has anyone got a clue how to approach this one: my partner wants to reclaim charges against RBofS***, problem is it was a joint account and his ex isn't going to want to help - if it needs her signature she won't do it, in fact she would actively try to prevent him getting money. So that's hurdle number one. I believe that he can ask for schedule of charges in his own right, and then any money reclaimed should be split with her. Is this the right way to go about it?

Secondly, RBOS knew he was in debt to the tune of about £17k with personal loans, cards etc, (all of which he took out to satisfy her never-ending greed for all things material) and that he wouldn't be able to open another current account elsewhere. So they said he could have one with them, provided he consolidated their £2,200 (unauthorised) overdraft with his RBS personal loan £5k left to pay, effectively increasing his loan to £10,000 including the interest on the loan . The overdraft interest was 29.8%, the loan interest also high. They then removed his overdraft facility - this put him unauthorised overdrawn and he paid charges every month. At one point he was (unauthorised) overdrawn by £45 - by the time they had added interest and charges at the end of a couple of months this had become £470 ish.

I know this is a bit of a tangle - could I have some help please with working out which bits of this are reclaimable?

Thanks for any help you can give.

Hi all,

 

has anyone got a clue how to approach this one: my partner wants to reclaim charges against RBofS***, problem is it was a joint account and his ex isn't going to want to help - if it needs her signature she won't do it, in fact she would actively try to prevent him getting money. So that's hurdle number one. I believe that he can ask for schedule of charges in his own right, and then any money reclaimed should be split with her. Is this the right way to go about it?

 

Secondly, RBOS knew he was in debt to the tune of about £17k with personal loans, cards etc, (all of which he took out to satisfy her never-ending greed for all things material) and that he wouldn't be able to open another current account elsewhere. So they said he could have one with them, provided he consolidated their £2,200 (unauthorised) overdraft with his RBS personal loan £5k left to pay, effectively increasing his loan to £10,000 including the interest on the loan . The overdraft interest was 29.8%, the loan interest also high. They then removed his overdraft facility - this put him unauthorised overdrawn and he paid charges every month. At one point he was (unauthorised) overdrawn by £45 - by the time they had added interest and charges at the end of a couple of months this had become £470 ish.

 

I know this is a bit of a tangle - could I have some help please with working out which bits of this are reclaimable?

 

Thanks for any help you can give.

Has anyone tried this and can you advise please? thanks

I can see you have all the time in the world for this lovely woman;) , BUT

It is probably worthwhile asking her to sign a quick note giving your OH authority to act on that account only. If you can get the bank to act on a SAR, then you will have a good idea of how much you'll get. That way, you can promise her £xxxx to help feed her "need for all things material".

Worth a go in my humble opinion.

j

Thanks weej, gee you sound like a nice, well-balanced, grounded human being. .. wonder where I went wrong!

Worth a try - thanks again:oops:

Aww shucks...........

j

Sweetrevenge

Royal Bank of Scotland Plc

CLAIM DATE:01-Nov-06

INTEREST RATE: 33.70%

TOTAL CLAIM: 691.96

TOTAL AMOUNTS 439.18

252.78

Referral charge for April 2003 20

09-May-03 35.03

Charges to 30/04/03 20

16-May-03 34.72

Interest to end April 2003 10.06

16-May-03 17.47

Referral charge for November 2003 60

08-Dec-04 44.14

Charges to 30/11/04 28

16-Dec-04 20.29

Interest to end November 04 15.61

16-Dec-04 11.31

Charges to 30/06/05 28

30-Jun-05 13.32

Interest to end June 2005 22.58

30-Jun-05 10.74

Referral charge for September 2005 90

10-Oct-05 32.45

Charges to 30/09/05 28

17-Oct-05 9.89

Interest to end September 2005 30.35

17-Oct-05 10.72

Referral charge for April 2006 30

09-May-06 4.51

Charges to 28/04/06 28

15-May-06 4.06

Interest to end April 2006 28.58

15-May-06 4.14

These are my charges using the 'Throughout claim with compound contractual interest" spreadsheet that Vampiress has on the google spreadsheets site. I've realised that the past six years have been nothing compared to the previous, so once this is sorted, I will be looking to claim back beyond that.

I'm sure this is nothing compared to other peep's but it's better in my (our) pocket (s) than theirs?!!

Im in the process of claiming back from the RBS, they have said that it is my fault etc etc, ill keep you all posted!

Hey Gordy2gb you a newbie too? got your own thread?

Please can someone who knows what they're doing with compound contractual interest have a look at these spreadsheet details - have I done it right?

Hi guys, sent in my preliminary request to RBS today. I've included the text here in case it helps. Oh and by the way i had to redo the spreadsheet as I'd got it all wrong. Never mind! I suppose we're all learning.

The Royal Bank of Scotland Plc

Preston Fishergate

97 Fishergate

Preston

PR1 2DP

Dear Sir/Madam,

ACCOUNT NUMBER: xxxxxx SORT CODE: xxxxxx

Hi all, sending off my LBA tomorrow recorded delivery. I've included the text here for interest - any comments?

I am very disappointed that you have failed to respond to my letter of the 10th November 2006. I now understand that the regime of charges which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I am enclosing a copy of the updated schedule of the charges which I am claiming.

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

EE, it feels nice to be sending them threatening letters for a change!!!! LOL:D

Hi SR, Gl on ur case. I thought Id gate crash ur thread because Im right behind you & will be lookin in for tips.

Refferal charge....urgh. I coundnt even get a satisfactory of how or why they were implemented after being already charged for the initial excess. Was advised though that they would be applied roughly at the 9th of the month. I explained that they never give notice of their intent to slap on the double charge of referral fees. My responce was "If you are overdrawn make sure you have enough in the bank to cover it. I dont know exactly what triggers it but its your obligation to ensure you have money in your account."

Loansharks would be embarrased to explain away referral fees. The whole UK banking system is based on nothing short of theft

ur outrage is well justified:-x I'm spitting feathers at what they've taken off me and BF over the years. Where are you up to? My claims gone up from 548 to 610 in the two week since I sent in my preliminary request - all this interest adds up nicely y'know!

Just writing up the initial letter so Im way back

OHMIGOD I THINK I'VE WON. Sent LBA off 28 Nov and received a letter today from Nicholas Leiberman at RBS, Customer Relations Unit, Forthstone, etc. offering to refund me full amount of £607 to my account. This is without admission, and they are still apparently satisfied that their charges are fair blah blah blah.

The letter also warns that should I be unwilling to accept future charges "we may need to consider if we are prepared to continue offering you the flexibility [lol] that you enjoy with your current banking facilities."

I'm going to write back accepting offer and restating my right to claim all future unlawful charges as well 'n see how they like that!! I'd like to remind them of any banking code articles they may be breaching if they attempt to close my account etc. - Anyone got a form of words I can use please???

MESSAGE TO ALL - IF I CAN DO IT, SO CAN YOU. Donation follows!

Bluddy 'ell!

Well done, matey - and unauthorised interest rate as well!

Write back and accept but say you reserve the right to pursue claims in the future if the bank insists on applying unlawful charges.

Or, alternatively, open an account with another bank and tell them to take a running jump.

What they're threatening you with is, in effect, an account with no overdraft facilities.

Great stuff, though - another hi-speed settlement, I'm delighted to see!

Westy

Thanks and congratulations Sweetrevenge. I'm still trawling through statements and compiling excel sheets but on the way at last. Buy something nice.

all the best

jessejames

Thanks NWTMM and JJ - wouldn't have even had the bottle to start without encouragement from peeps just like you. I'll write back just as you say - my parachute account is up 'n runnin' - hope RBS are starting to see sense on settling for all!!!

:)

Excellent well done.

Cheers Lively, the congratulations are much appreciated.

***Nice Smilies, but a bit risky***

please remove the smilies link. Spyware.

Sorry Lively I had no idea. Should I take it off my internet toolbar to stop the kids using it?