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.

£6.99



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 Is this worth disputing (bank charges debt)

    I am looking for some advice on how to dispute a debt with RBSicon (passed to Westcot) which is entirely made up of bank charges.

    In Dec 2010 my account went overdrawn overnight due to a payment coming off (I had no overdraft facility on my account so unsure as to why the payment wasn't just rejected?). Anyway I went 'overdrawn' by pennies - an amount less than 1.00.

    I went to the bank the following morning when it opened to pay this amount back in, thus taking my account balance back to 0.00.

    A bank charge of 29.50 was then due to be taken off at the end of that month. I couldn't afford this so I opened a bank account elsewhere, and asked that the account with RBS be closed. They refused and kept adding charges onto charges onto charges. I was made redundant in March 11, and informed them of this but they still kept adding on charges for nothing.

    The entirety of the sum I owe them is bank charges. They eventually sold the debt on to Westcot and it is sitting at 800+.

    I would like to dispute this but I don't know what the best course of action is. Should I write to the RBS, or go straight to the FO? Are there any template letters I could use?


  2. #2
    Site Team The Consumer Action Group BankFodder's Avatar



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    Default Re: Is this worth disputing (bank charges debt)

    This sounds very interesting.

    I understand that you had either a basic account or at least a standard account but with no OD facility - but against which they had allowed a payment which then incurred charges and started a spiral.

    Why did it not have an overdraft facility? Did they refuse to give you one?

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  3. #3

    Default Re: Is this worth disputing (bank charges debt)

    I didn't want one - when I opened the account I opened it without an overdraft.


  4. #4
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    Default Re: Is this worth disputing (bank charges debt)

    Have they offered you an overdraft and you declined it?
    What level of account was it?
    Do you expressly make it clear that you didn't want an overdraft?

    Have you read the material which we have on BCOBSicon?

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    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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