Right,

I have read all the FAQ's etc and I just wanted a bit of advice before I start sending out any letters.

Basically about 2 years ago my University tried to take money out of my RBS account by mistake, this incurred a charge of £30 for a failed direct debit.

So my account now stood at -£28 ish.

I told the bank it was mistake by the university and I shouldn't be charged for a direct debit I had not authorised, but they had none of that and the charges stood (this was over the phone btw)

So I wasn't gonna have that and just left it accumulating interest for ages at about £10 a month. Eventually a do gooder relative of mine pain off about £150 leaving £12 in the account, which I promptly took out. RBS then charged another £20 in interest making my account overdrawn again.

After a couple of phone calls with no joy I gave up and was just gonna let it sit there.

The account now stands at around -£250 (which they can whistle for cos I dont have it), so can I get everything back?

I have had no problems with my other bank, they have been very helpfull but RBS have just tried to screw me out of every penny they can.

Any advice would be very helpfull, Thanks.

If you've read and understood the FAQs, and read the forum material, you're good to go. Claim back away! Keep us posted.

Hi,

Just wondering if we should be making any alterations to the letters allowing for Scots Law or are they all controlled by the one law? Thanks.

Good question, and another is:

If someone in Scotland has £2k to claim back, should the letter be reworded in such a way that the bank know the full amount but the claimant is claiming back individual £750 amounts?

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group