This topic was closed on 03/06/19. 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 their. 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

Hi all, The RBS charges for each cashed cheque I ask for a copy of. My question is: do the cashed cheques belong to me or the bank? If I request to pick up the original cashed cheques, does the bank have to give them to me? If I can get the originals, should I be charged? Any help will be appreciated. Regards Steve

Thanks Alison. I'm going to put it all on a web site when I get the time. I have a photo sent to Grandad from the Uncle with them all posing with miserable faces to make him feel bad. Gramps has property in our local highstreet and they were still taking the rent whilst he was in the home and not even giving the home money for papers etc. Now I took that away from them they are running into debt.

To cut a long story short: 3 years ago my aunt and uncle got power of attorney from Grandad. My Aunt moves in with him as a carer. Gets pregnant and tells Grams to leave as there is no room for him. Gramps moved in with other POA (Uncle). Uncle & wife gets blank mandate from RBS & tricks him into thinking the form is payment for an extension to the house and not adding another sig (I spoke to the witness who was my uncles friend and doing the work and he said "your grandad did seem confused at the time and kept asking questions about the extention". He wont go to court however. Funny that). So now Uncles wife is co-signature on account and over 3 years takes around £300,000 from account. When the money was gone they put him in a home against his will. I step in and my mum takes him in. Me & mum are POA and I evicted my aunt and put gramps back in his home for xmas. The solicitor said that as the POA's wife was signature she was not bound by POA rules so there is no come back. Also mandates can be taken away from the bank and filled out - I suppose as it's the same as a DD form. Solicitor said a reasonable amount of trust is expected which is why this is possible. We've informed the inland revenue of the fact money had been transferred to uncles business account from my grandads but they don't seem interested. Apart from them getting away with it (except my Aunt as she was kicked out and the inland rev informed of her renting her own house out without declaring it) I am worried for the following reason: Anyone could get your account and signature from a bin and then walk into a bank, pick up a blank mandate, fill it out in the carpark & forge the sig. Take it back and then transfer all your accounts abroad whilst you're on holiday for example. If this is so, where can I put the money so it's safe? Witnesses are only there to confirm the people mentioned on the form are present - shouldn't they be binded to see all parties are fully informed? The bank was helpful at the start until I started questionning the mandate and now they ignore us most of the time. I need to trace a lot of cheques buy the RBS said I have to pay £5 per cheque and we cannot afford this. Is this something we can get back? Now this site has giving me hope in recovering some money for gramps as he had gone overdrawn and there are quite a few charges. Thanks all for taking the time to read and any help / comments are appreciated.