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  1. This topic was closed on 03/08/19. 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
  2. I just had a call, they siad they would refund me £385.55, soI have said yes, case closed.
  3. They rang again today, not really sure why. They were not willing to increase their offer and they have stated that the offer of £67.08 is correct. I have advised them to get a senior manager to call me back. I think this will go on forever...
  4. I think it will be £60. £30 for refusing the direct debit, and then £30 for the unauthorised overdraft. If this straddled two months, they would charge you for it twice.
  5. Thanks for your advice, I work for an FOS regulated company and actually work in a role where I have the 'final' decision before it goes to ombudsman. We are charged £550 when it goes to ombudsman, and thats just for them to open a case file. I will let you know how it goes.
  6. I think the problem is I joined Royalties when it was brand new, and was never sent any documents. I had a keyring thingy, which mean't that if i lost my keys they would come back to me. They seem to accept this by actually agreeing to refund the interest, its just getting them to accept the fact that they owe me more than 1% of 6780 is going to be difficult. To be fair if they don't get back to me today I am going to escalate it as the woman I am speaking to is a bit like an automated message service, I am fine asking her questions so long as they are ones she has anticipated and has answers for, if I ask her anything she hasn't anticipated then she has to go away and get another response.
  7. I have had a call from the bank today. They advised that over the past 9 years I have paid £6780 in interest. They advise that I have been 1% overcharged. ( should be 15.9 and I have been charged 16.9) They are therefore willing to offer me 1% back and have said that this is £67.80. By my calculations they should be offering me more than that, because 6780 = 16.9 interest. So 6780 divided by 16.9 = 401.18 Therefore 401.18 = 1% interest. Do you think my calculations are right, or theirs? To be honest I told her I wasn't happy and to go away and sort it out properly. I also asked for 9 years statements as above. Will see what they come back with.
  8. Thanks. I don't actually have a reply from them at the moment, just noticed the payment into the bank account. I am going to wait for their reply and then ask for the copies of the statements they hold and also, how they have worked out the amount they have paid back. To be honest their whole handing of the affair has been shoddy and initially they sent me two bottles of wine and just said sorry, we will sort it for the future!!!
  9. Hiya, This isn't strictly an issue with bank charges, but is closely linked so I hope someone can give me some advice. I recently found out that the APR on my credit card has been incorrect for 9 years. Due to me having a royalties account with RBS and a credit card with them I should receive a discounted APR. To cut a long story short, after alot of phone calls and poor information from them I spoke to a lady who said she would refund the overcharges of interest from the past 12 months. I declined and said that I wanted the lot back. I am crap with credit cards and I have had a high account balance for years ( approx 10k - i know this is bad and intend on sorting it over the next couple of years). When I checked my bank account today they have put £67 back into my bank account. Does anyone know how I can work out exactly what they owe me? My APR should have been 15.9 and they have been charging me 18.9. If it helps I pay about £132 in interest a month. Does anyone know how I should go about this, I certainly think that £67 won't be the whole over charging. Thanks in anticipation. sal x
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