Hello everyone, I'm still here, just would like to know what the current situation is regarding reclaiming bank charges. I've heard about courts "staying" claims until the test case is resolved. Will this affect my claim if I put it in now? Has anything changed in the 5 months regarding claims? Are RBOS putting up a fight, or do I have a good chance of claiming?

I was in exactly the same situation as everyone in this thread, but I foolishly paid the £23.50, and setup another direct debit. Is there any way of reclaiming this fee, or have I let these greedy so-and-so's run away with even more of my money?

It's simply listed as "chg"- charge, it doesn't say what it's for. On the statement it says I can contact them for further details, so I will do so tomorrow. BTW I like your use of the word "propensity" . EDIT: The £28 is for "unauthorised borrowing – maintenance charge", as I suspected. Also I've been charged £38 twice for unpaid direct debits. One was for a mobile phone bill where the mobile phone operator ALSO charged me £20 for the unpaid direct debit. I will see what can be done about that particular situation.

Thanks mr hamster & t4ff, had a look in the FAQ section, and the step-by-step example thread answered the majority of my questions. Just three things I'm unclear on: 1) On the spreadsheet's first tab, it says "total owed before interest". This is the amount I can reclaim while I send my prelim letter, correct? Am I right in saying that the 8% can only be added once matters have proceeded further (LBA)? 2) Where a "schedule" of charges is mentioned, what would be acceptable? An A4 sheet with all my charges + dates incurred, or a printout of the spreadsheet, or photocopied bank statements? Actually after reading the prelim letter template, I assume it's a photocopy of the spreadsheet, but it's best to make sure. 3) Could someone please tell me what the mysterious £28.00 charge is that has appeared twice on my statements? I think it's for going over a overdraft limit that was never agreed to! Could somebody confirm this?

Hi, sorry about the big delay, had lots of things happening which took me away from all this, but now I'm back on track. Completed the really useful spreadsheet, looks like the total charges using statutory interest is around £357, while contractual is £397. But that's not taking into account may's charge which will be £15.63- the cheeky buggers tell you in advance how much they will (unlawfully) take out. It's not that big an amount TBH, but I'm in dire financial straits right now, so every penny counts. Was wondering what the next step would be- and how much roughly would I pay in court fees etc. Also I would like to know what other charges I can reclaim and/or costs I can add, which RBS would have to give me. Thanks everyone.

Thanks for the info Leech, it looks like I can claim the charges back, but still not 100% sure if I'm in the right. Here's my situation in a bit more detail: I've had the account for 7 years now, Never used the overdraft until i was made unemployed. I went into the minus figures, and I immediately began to be charged interest on the overdraft (29.8% annual rate). I had never had spoken with the bank about an overdraft facility, so I was somewhat surprised that I was allowed to withdraw money even though there was none in the account. Interesting thing to note is that RBS changed my account type without my permission two years ago (before I was overdrawn). It was a student account which had an interest-free overdraft, then my account was changed to a standard current account. Obviously the current account doesn't have an interest free overdraft. Do you think that i somehow "agreed" to overdraft interest rates when I opened my account 7 years ago? Or are these unlawful charges which I can dispute?

I understand that I can get the unpaid DD charges back, but what of the unauthorised overdraft charges?

Hi everyone here's my dilemma: I'm banking with RBS, and I do not have an agreed overdraft facility. I'm currently overdrawn by around £1000, and my account has been overdrawn for roughly 11 months. I get charged around £15-£22 every month, according to how overdrawn my account is. I also have been charged once or twice for unpaid direct debits. Can I claim any charges back, or am I out of luck as I never agreed an overdraft interest rate?

It's really encouraging to see the public uniting and taking action against the unfair and bullying tactics used by large corporations to [problem] the public out of their hard earned money. Often it feels like the average person has no chance when confronted by faceless establishments. This site, and the people who contribute to it, are showing people that the banks (and others) simply cannot get away with treating their customers like dirt. Now the tables have turned, and it's time for us to fight back! Anyway, my question is as follows: I'm banking with RBOS, and I do not have an agreed overdraft facility. I'm currently overdrawn by around £1000, and my account has been overdrawn for roughly 11 months. I get charged around £15-£22 every month, according to how overdrawn my account is. I also have been charged once or twice for unpaid direct debits. Can I claim any charges back, or am I out of luck as I never agreed an overdraft interest rate?