Hi All,

I have recently been offerred a full refund from Lloyds TSB relating to charges to my account between July 2004 and March 2007; £619 !!

I want to tackle my Royal Bank of Scotland which I had between 2000 and 2004, I think they have charged my at least £800 over that period.

I am slightly worried about claiming as my account wasnt in good order throughout this time, and on various occassions well over the overdraft limit until I finally defaulted and my account was closed.

Can anyone let me know if I will be unable to claim when my account was regularly close to or over the agreed overdraft limit and when the bank eventually defaulted me and closed the account.

Any advice gratefully received as I do want to claim the money back if I can.

Thanks

Harry.

Hi All,

I have recently been offerred a full refund from Lloyds TSB relating to charges to my account between July 2004 and March 2007; £619 !!

I want to tackle my Royal Bank of Scotland which I had between 2000 and 2004, I think they have charged my at least £800 over that period.

I am slightly worried about claiming as my account wasnt in good order throughout this time, and on various occassions well over the overdraft limit until I finally defaulted and my account was closed.

Can anyone let me know if I will be unable to claim when my account was regularly close to or over the agreed overdraft limit and when the bank eventually defaulted me and closed the account.

Any advice gratefully received as I do want to claim the money back if I can.

Thanks

Harry.

At the end of the day it doesn't matter if your account was occasionally over your limit or always over it.

These charges are still UNLAWFUL and therefore claimable by yourself.

As the account in question has been closed there is nothing to loose, so a win/win for you there.

For the sake aof a few pounds and some waiting, GO FOR IT !

Thanks Curlyben, my claim with Lloyds was easy in that I have online banking so could use that to get my statements from 2004 onwards, and I have always been within overdraft (as I dont have one!!) and generally in good order with my account, where as RBoS started out good (opened in 1990 as a student) and then went wrong from around 2000 onwards.

Can I ask for statements back to 2000 ? my understanding was 6 yrs only.

Is there a term of words I should use when requesting statements and asking for charges to be repaid when the account was overdrawn and defaulted.

Any help gratefully received.

Harry

Part of the S.A.R - (Subject Access Request) request is getting ALL of your data from the banks.

I approached LTSB for mine and, after a bit of a fight, got statements back to 1997.

Now that's a nice little claim going in the post today.

Ignore the fact the account was defaulted, but you can use this as a condition of NO legal action.

Thanks for the useful advice Curlyben, but what do you mean by:

"but you can use this as a condition of NO legal action" ?

Will let you / everyone know how I get on.

Cheers

Ooops so wish I could type.

What I ment to say is that you can ask for the default removal as part of your request.

Always worth a try, but to be honest they'll probably ignore it.

cheers, thanks.

But they cant ignore the SAR request, and presumably they are unlikely to allow it to go to court, so I should get something back from them ?

Yep.

SAR is a legal request and cannot be ignored.

Don't be so sure about them not taking it to the wire.

True they are unlikely to go to trail, but they can take it as far as that.

I'm currently dealing with an old Cap1 account that has been closed and passed around DCA's for a while.

My prelim is already in, just waiting for the stock" we aren't gonna pay you" letter then the fun really starts.

6+ years with CCI, now that should be fun for starters.

Best wishes

Scott

Hi

Start up a new thread in the RBS forum:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/

Barty:)

I would advise SG that you have a look at the guide in the FAQ section as this has information on requesting removal of a default.

If may also answer some of your questions in relation to how the process works

Hi friends,

A few years ago I was a very stupid man (something i pay for on a daily basis) and stuck my head in the sand rather than face up to my debts.

I defaulted on a loan and current account overdraft with RBS. They subsequently formally defaulted my acount and I now pay £65 a month to their central Customer Credit Services Dept to repay the debt.

I have been doing this for well over 2 years, and wondered if it was worth doing 2 things:

Firstly, asking RBS to remove the default notice on my account.

Reason being that i have been faithfully repaying money to them over the last 2.5 years, additionally that the default is affecting my ability to re-mortgate my property and gain a better financial deal in the present climate of the credit crunch.

Secondly, asking RBS for details of the charges made to my account during the period 2002 to 2004 (the account was closed in 2004 and I am aware that you can only claim back 6 years). The charges will be significant i am sure and in a time of financial hardship for myself in 2002, 2003 and 2004 this affected my ability to administer my account within the terms of the agreement - hence i was defaulted.

What do you think is the chance of success in either ? if this is in the wrong section please let me know.

I am now facing up to my responsibilities and repaying debts where i can, i just think that the removal of the default would make things easier in the long term. I no longer hold any credit cards and will no longer get myself into debt (having learnt my lesson). I use a debt card now linked to by current account with another high street lender.

thanks for your help.

cheers

just giving your thread a little nudge to bring it to the attention of others who might be able to help you. I am not sure if this should be here or in the General Debt forum. Perhaps a mod/site helper will look in and advise you better.