Just to let you know, Claimed back over £4000 in February and got it back in April without any real hassle. If I can do it anyone can. I am unemployed at moment and this has really helped. I am currently helping a couple of other friends start their claims. To anyone out there, do not be afraid, just go for it.

Hello, Now in a quandary here. One week after LBA letter sent I have now received the 'blah de blah' letter from RBS. But as a goodwill gesture they are offering me £4,xxx.xx to be paid into my account. This is just £350 short of what I asked for! As I am unemployed at the moment this is a godsend ( or should I say a CAG send ). Tell all the people that you see that if I can do it, anyone can. I have at least half a dozen friends who were sitting waiting to see the outcome of my claim, to scared to take up the challenge themselves. I think this will change now. Of course the bank still has to actually put it into my account. One thing that is annoying though is that the bank responses come without a date actually on their letters. Is this more incompetence for something so important! *

Hello, Now in a quandary here. One week after LBA letter sent I have now received the 'blah de blah' letter from RBS. But as a goodwill gesture they are offering me £4,xxx.xx to be paid into my account. This is just £350 short of what I asked for! As I am unemployed at the moment this is a godsend ( or should I say a CAG send ). Tell all the people that you see that if I can do it, anyone can. I have at least half a dozen friends who were sitting waiting to see the outcome of my claim, to scared to take up the challenge themselves. I think this will change now. Of course the bank still has to actually put it into my account. One thing that is annoying though is that the bank responses come without a date actually on their letters. Is this more incompetence for something so important!

Well until confirmed either way it remains as Ms. Let confusion Reign. By the way which one of the books by Ms Pearle is best purchase for a layman like me. Is everyone getting delayed response from RBS now?

Just for interest to anybody, I didnt here from Ms Watt after sending my request for payment even though i gave a few extra days so LBA letter went off today recorded delivery. So now sit and wait. Also sending off for Pearls small claims booklet to help in next stage. The force is with me.

Two days to go before I send the LBA letter. I was thinking of including a bit about the Whistleblower programme last week. What do you think anyone?

OKAY! Ive gone through my statements for 6 years and it ended up quite scary at time ( and annoying ). Put everything down on a spreadsheet but need assurance and confirmation about a few things before I send it ( so that I do understand what I am doing is correct ). Is there anyone I can actually talk to about the spreadsheet? Believe me, I have read FAQ's a few times but I still need a couple of things answered before i feel comfortable sending. ANYONE OUT THERE?

Statements arrived in the post this weekend. As expected a little confusion from me. I knew this would be the awkward part. What interest do I charge in the pre - lim letter, if any? I'm a little confused about this. Forgive me if i am getting it wrong but I read somewhere that interest is not claimed unless going to court? On my statements each month ( apart from other charges ) I have an interest charge for a different amount each time and immediately under this another charge i.e INT TO 31XXXX A/C xxxxxxxx 20.17 CHG TO 31XXXX A/C XXXXXXXX 40.00 I've noticed that this only appears on 'supposed' overdraft months so is the £40 interest also? Does it go on charges list or interest list?

Got my letter from Sandy Watt today ( I sent request 6th Feb ) saying that duplicate statements on the way shortly. Seems to be a standard letter. Says I should only list following for consideration: unpaid fees paid referral fees card misuse ( Guaranteed cheque fees ) unarranged borrowing fees Is this the norm? I'm a little worried about sorting out the charges to claim, they always baffle me on my statements! But i will persevere ( and ask questions haha ). To anyone who is helping, it is all appreciated. I do still have trouble finding my thread when I come on here, wheres the first place to look?

Hello people, Opinions please. I had a phone call on a Sunday morning today from Nottingham Collections office asking about my overdaft problem. This was after already speaking to two other staff earlier in week who confirmed that because I was in dispute with them at head office they will not be pestering me until the end of March. This particular person on Sunday ( today ) was suggesting that they extend my current overdraft temporarily for 9 months so long as I pay back £xxx per month until it is paid up. At present I have cancelled all dds and standing orders with them and will not use their services until this has all been resolved. They still will be charging me £28 month ( gold account ) for just having it sitting there. Should I take up this offer you think? As a delaying action? She also blamed me politely for the charges because I didnt have sufficient funds at time ( which is true ) but I just said it was the extortinate cost of charges that put me in the position once I went over.

Hello people, Opinions please. I had a phone call on a Sunday morning today from Nottingham Collections office asking about my overdaft problem. This was after already speaking to two other staff earlier in week who confirmed that because I was in dispute with them at head office they will not be pestering me until the end of March. This particular person on Sunday ( today ) was suggesting that they extend my current overdraft temporarily for 9 months so long as I pay back £xxx per month until it is paid up. At present I have cancelled all dds and standing orders with them and will not use their services until this has all been resolved. They still will be charging me £28 month ( gold account ) for just having it sitting there. Should I take up this offer you think? As a delaying action? She also blamed me politely for the charges because I didnt have sufficient funds at time ( which is true ) but I just said it was the extortinate cost of charges that put me in the position once I went over. Its only been 10 days since I requested past charges ( SAR), how long do they usually take?

I received a couple of automated letters from bank collection asking for cheques and cards to be returned etc. Obviuosly got a bit worried so phoned them up and told them I was in dispute about charges. The very nice lady said , oh dont worry about it, we will freeze any more letters and action until end of March. By then she said my charges should have been sorted and repaid and back on track ( i havent got to second phase yet!). She was well aware of situation and said that hundreds were doing it. So to others on here, dont get frightened by letters, phone them up , write to them and hopefully things will happen.

Re:Another automated letter received ------------------------------------------------------------------------ Any opinions please. Just got a second auomated letted form RBS Collection centre in Glasgow claiming that they have been trying to contact me over last few days. Oddly enough we have had no calls whatsoever left on answerphone nor any of household taking messages. Methinks they are fibbing otherwise surely they would leave a message like my local branch always does. Letter says this problem must be dealt with withing next seven days. They also suggest that cheque books and cards should be returned! I am going to hand deliver a letter to ' friendly services manager' at local branch saying that account is now in dispute about charges and awaiting info from their head office. Will also do same to Collection centre and ask them not to send any more automated letters. Ive already stopped all standing orders & d/ds. ANY SUGGESTIONS? *

Any opinions please. Just got a second auomated letted form RBS Collection centre in Glasgow claiming that they have been trying to contact me over last few days. Oddly enough we have had no calls whatsoever left on answerphone nor any of household taking messages. Methinks they are fibbing otherwise surely they would leave a message like my local branch always does. Letter says this problem must be dealt with withing next seven days. They also suggest that cheque books and cards should be returned! I am going to hand deliver a letter to ' friendly services manager' at local branch saying that account is now in dispute about charges and awaiting info from their head office. Will also do same to Collection centre and ask them not to send any more automated letters. Ive already stopped all standing orders & d/ds. ANY SUGGESTIONS?

Hi there, Any suggestion for this. S.A.R - (Subject Access Request) Letter went off today but also got polite letter from the glasgow RBS collection office asking about my overdraft. I was replying today to my local branch asking to stop d\d's and standing orders till further notice. Should I tell them I am claiming or let them find out themselves?

Hi there, Any suggestion for this. SAR Letter went off today but also got polite letter from the glasgow RBS collection office asking about my overdraft. I was replying today to my local branch asking to stop d\d's and standing orders till further notice. Should I tell them I am claiming or let them find out themselves?

Hi there people, Ive got a couple of other accounts set up now. Also recieved my pretty consumer action group stickers, thank you very much for them. My SAR letter goes off tomorrow ( recorded ). Why are we always so worried with first bite! Anyway here goes, wish me well people. Encouragement always appreciated. By the way I've already been totally misquoted by staff at bank when i sent letter to manager, so that has to be replied to also. I suggest that everyone takes names and dates when speaking to staff. They may be human but they do work for banks!!

I'm getting conflicting suggestions as to which address to ask for my SARs from RBS. I'm based in Essex. Is the Tom Mclean one the best?

To keep my thread going do I send through this reply box?

Hello hydra, I'm still learning about these threads, I think I may have one other that I started a week or so ago. I usually post a new message when asking a question. I that right way or... ? Ive spoken to about 4 people at bank in last week , all of them seem to be oblivious to the other! Last guy was yesterday who suggested I take a loan out to cover overdraft. Just giving them more money it seems. Wrote a letter to manager last weekend asking for cooperation, still waiting for official answer

January RBS overdarft of £1100 now ( and no doubt rising ) Bank charges are £900 of this! If I put money in it just gets soaked up. They stitched me up last year once also. Do I just stop using it? I can open another account with other bank I use. What will RBs do if I stop using the account? Do I say it is in litigation? I'm about to write SAR letter to Customer relation manager in Edinburgh (freepost po box address ) Is this the best place to write? I'm based in Essex.

Any advice on this. £900 charges on a £1100 overdraft!!! Do I keep throwing money in to get sucked up or what? Bank of course suggested I take a loan to cover this overdraft ( which they created it seems ) Still getting to grips with sending posts on here

Any advice on this. £900 charges on a £1100 overdraft!!! Do I keep throwing money in to get sucked up or what? Bank of course suggested I take a loan to cover this overdraft ( which they created it seems )

Went into overdraft this month ( Jan) due to people not paying me monies owed. I spoke to the bank two half weeks ago asking for their cooperation inpaying important direct debits. Last friday recieved 4 seperate company letters saying payments werent made due to insufficient funds. Put a letter into Bank by hand addressed to manager complaining of this. Spoke to a member of staff on Monday who phoned me about overdraft, new nothing about the letter, says that all letters to manager go to a head office customer services!!! Got another call Tuesday left on answerphone by different member of staff, they knew nothing about letter or previous calls. said they will deal with it. Got a call today Wednesday from yet another member of staff asking what I plan to do about overdraft and would I like a loan to cover the overdraft. I asked him how much was overdraft now, agreed limit of £250. Overdraft now £1100. How much of this exactly is charges by bank I ask? After a few minutes he reluctantly told me that £900 was overdraft charges!!!! Suggestions anyone?

hello T4ff, Thanks for responding so far, Ive spent a long time on here and things are beginning to come clearer. Its hard to believe that I may actually get something back from the bank. Lets see. On the SAR do i ask for past 6 years or just send letter as it is word for word?