I only had to send one letter. Within one month they responded with letters apologising for the delay & stating that they were investigating. A letter arrived this morning giving me a full refund of all charges to my account covering the last 6 years as asked for. They have also withdrawn the default notice. Without me asking, they also added a further £100 as compensation for any inconvenience!!

A total success. Thank you !!

Excellent news! Pls don't forget to fill th esurvey to encourage others:

http://www.consumeractiongroup.co.uk/survey.php

Thanks!

survey completed

Now to try my luck with some other debts

Hi Shortcake how much was your total that you reclaimed?

It was £1095.00, didn't get it physically though, they just knocked it off the money I owe them.

Thats excellent! What bank did you claim from? and what did you write in the letter you sent?

It was RBS, I used the template on here & tweaked it to suit my circumstances. I got the refund because they couldn't explain the service charge. As a student they shouldn't have been charging this. They admitted making a mistake.

I am also with RBS and have been a full time student for the past 4 years, what parts of the letter did you change? Did you just point out that you were a student?

Great result Shortcake, go on NLSneddon get that letter sent

Congratulations! If you don't mind me asking what did the service charge appear as on your statements? I've just received my statements going back to when I was a student and there is a mysterious £10 charge each month that I'm trying to figure out.

Yes it's a £10 charge. My description was something like 'chg to 16sep'

usually notified the previous month as a service charge that's going to be applied. As a student you shouldn't be getting a service charge. I did query it when I was a student & the girl in the bank said it was because i'd gone over my limit. Obviously she was wrong.

Good luck!!

This topic was closed on 09 March 2019.

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