Im new here,hello,Im with the Royal bank of scotland and get charged £40 every month for no reason really its just there charge they say,so how do you get them back?? i went here; Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more,

and printed letter number 1 off is that the best way to start??

many thanks

DD x

Also do you send the letter to your local bank or head office??

Hi Dizzy. If you are going to use this site to monitor your progress, it may be advisable to bin the moneysavingexpert letters and use this sites so that people can identify with what you have done.

This isn't something you should jump into headfirst. I would advise that you spend a day or two reading what to do and how to do it afterall, you are making a complaint against a rather large company and could even end up take them to court.

Start in the FAQ forums especially the user guide, get an idea of what to do then use the templates library to print of template letters to send off. Take your time and ensure you are familiar with what you are doing before you start sending letters. Ask lots of questions (extremely helpful people round every corner) and read lots of other threads to find out other people's experiences.

Finally, for help on how to determine what charges to claim back, have a read of the link in my signature

Good luck!

DizzyDora,

Just read your post - a £40 charge sounds like a fee of £12 for a Royalties Gold Account per month (This you can't claim back) and an illegal penalty charge of £28 for being overdrawn on the account. You can claim back the £28 pounds just subtract the royalties charge form the £40 charges you have to work out how much you can claim back from them.

As to the question where you send your letter some people send to head office others to their branch - I personally sent mine to my branch (posted Royal mail recorded delivery so I had proof they had been recieved) which I think helped my case as by the sounds of it my branch were hasseling Edinburgh. I got a phone call from my branch the day they recieved my Letter Before Action (2nd letter sent 14 days after my preliminary letter). Saying that I should have had an offer of settlement in full from Edinburgh, low and behold the next day I had a letter waiting for me when got in from work offering me exactly what I had asked for.

As T4FF has stated above - your better using the templates from this site (I did so I know it definately works). Also do read up about it, foolow some peoples posts so you know the proceedure - this will help you feel more confident about battling with the RBS.

Hope this helps

Brian

Thank you both very much.