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alexjj Vs. RWoS


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Hi folks,

 

Quick question, I have two accounts for RBOS, one of them from where I am from originally, which got closed before I moved to where I am now - effectively I transferred account.

 

This is two separate accounts.

 

I just got back the details of the older account for statements, and these go back to Dec 2000.

 

Can I claim these as normal - even though this is over 6 years - more like 6 and a half? Simple explanation of yay or nay please!! In the absence of nay, I am just going to list them on the simple XL spreadsheet anyways. :)

 

Thanks very much

Alex

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OK, at what stage would/should I use this? Surely all charges are unfair, full stop?

 

Additionally, can I claim back "card misuse" charges at £20 a go, when I have used it as a cheque guarantee, and they consider this to be "card misuse" - which means, not only is there a £20 charge, but then they have repeatedly hit me for a £30 referral charge for the month - plus interest whenever this has pushed me over the agreed overdraft limit..

 

Are there any admin members who review spreadsheets of charges (presumably for a nominal donation)..

 

Cheers :)

Alex

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T4FF has produced this excellent explaination of wat you can and can't claim http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42749-bit-help-you-rbos.html.

 

Full discussion on the 6 yr issue is here http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html#post712882

 

Read and enjoy.

 

I'm sure some kind sole might offer to check your spreadsheet, but you would be better served getting a family member to go through. After all, the only errors likely are going to be due to incorrectly copying info OFF your statements.....so you would need to send a stranger your bank statements if you wanted somebody here to do it.

 

JMHO

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