Hi all

Rbs put a default on my file after i "buried my head in the sand"

A little breakdown:

In apr 13 i went approx 40 pound overdrawn and was charged £42 overdraft fee by this time i had switched to a new bank.

in may 13 i was charged 66 pound.

in june 13 i was charged 198 pound.

in july 13 i was charged 180 pound.

in the last few months until the default (November 13) they only added 2 pound odds.

I only found this out when my former landlord popped up with some mail. im now due £650 to rbs. i have asked rbs for a breakdown of charges but have since only received statements they sent me 7 years worth would you believe!

Hopefully someone can advise on my next steps as i'm at a blank just now

thanks for reading

i'd try a bcobs complain

rbs don't like those

see the links on bcobs

dx

Thanks for the info on a quick scan is there some sort of template i could edit for my needs? Or should i just outline that i want the default removed due to it being made up of charges even though im a bit to blame also?

Thanks

you have to prove the amount on the default notice included PENALTY charges.

that then makes it invalid.

however as I said.

i'd read that blue link about RBS fron the bcobs

Well i have all my statement showing when the account dropped into an unathorised overdraft. Ill have another read of the thread and see if i can prove the fact

Thanks

So would i be best to sar the rbs or try to draft a letter bcobs style? writing letter is not my strong point btw lol

any help appreciated

if you need all the statements to prove the charges yes sar

if not simply adapt that rbs bcobs letter ..

I wrote to them asking for statements and

i now have them is that all i need then.

So just write a letter saying my default is all charges so can you remove it?

Lol i feel like its too cheeky for me

Thanks

no i'd do a bcobs reclaim

they have treated you unfairly.

http://www.consumeractiongroup.co.uk/forum/content.php?829-Charges-successfuly-reclaimed-from-RBS-last-year

So I can still do that even though I have not paid the 650 I'm due them?

why not?

if the balance you owe is made of unfaircharges

get them taken off under bcobs complaint

then you actuall know what/if you owe.

can I suggest you start to have a wee bit of a read around

this is a self help site tooo........

dx