i am indeed in Scotland and no, it's a personal account.

thanks i know i'll be claiming £300 or just over that, loose change to a huge bank like them

good luck i'll soon be claiming against them too, but not as much as 25k lol

just got my bank statement and it looks like they are going to be charging me £3.29 on 7th June for "unauthorised overdraft interest" @ 2.20% for the period 23rd April and 22nd May. I don't really understand that seeing as my overdraft was clear on 11th May and no one ever spoke to me about an overdraft

hi chloejane thanks very much, all the advice I can get is definately appreciated. Yes I am very much relieved and I will be looking to get all my money back, I had nothing but stress and worry last week until I realised I was in a position to relax as after Friday they really couldn't do anything! I reckon after I get my statements back and go through them all, I think I'll be entitled to claim back about £300 or just over it, which is loose change to a huge organisation!

i'm waiting on £50 to clear which was sent Friday and my balance is now at £24 so after the £50 clears it should be enough to not overdraw again. I can claim that back if they do charge again, can't I?

15th may is almost here! I have worked out that 40 days from my data letter being sent away this wednesday means that they'd have until the end of june to give me my statements.

still no letter back from the Bank, been 4 days since I sent the confirmation that I am paying it off and I hoped that was proof enough blah blah. I'm assuming that they can't be bothered to reply as they can't do anything to me now! Still enraged they charged a further £28.00 + £5.68 on the 8th after I got off the pone to them. This will be fun trying to work out exactly what they owe me, it's definately over £300 now anyway!

*grins* As of now, my account is in credit, RBOS can do absolutely nothing now as I officially paid it off. Bring on £25 a week back into my account plus the challenge of getting my money back, wohoo! Will need people's help and will be asking loads of questions over the next few weeks. I will start by sending a letter on Wednesday asking for all my statements between June last year and upto this month.

hi folks just a wee quick update - £260 that I sent on the 5th is now clear today, as well as a Standing Order of £10 that came off on Tuesday the 8th. A £25 standing order that came off yesterday morning as well as an extra £15 that I sent last night is still to clear. Not heard back from the bank regarding my letter but my status is now I "owe" them just £15.98! You bet I'll be looking to get all of my money back when this clears within the next few days so surely to god I'm ok now!

lol, yup some "customer service" they have! Letter was sent at 4pm 1st class recorded delivery so here's hoping that is the end of the matter and i can now look forward to focusing on getting my money back cos technically speaking they overdrew by their money and not mine but i still had to pay! Weird!

wohoo congratulations, you must be over the moon!

hopefully not, i hope the account is clear by Friday even then they have the written proof now that I am paying it back robbing swines! i'm feeling more happy now, thank you folks xx

i'll let you guys know how it goes, i'm leaving the house at half 1 and won't be back until 6pm. plan to send my letter 1st Class Recorded delivery

i won't. i plan to contest it after it gets clear and then that way i know i'm ok! surely they can't take action now they have written confirmation + bank statement to confirm i have paid it off just now upto the RBOS to accept the money i guess!

i'm confused Can I not just send the payment confirmation first then when its clear i can contest them?

amended my letter

ok thanks i will amend the letter then wait for a response. as for the £100 a month, I was hoping to save that into my account

is this ok?

phew, thanks my total stands at -£282.31 due to them at the minute and I am going nuts with them!

robbing swines!! I just found out that they have added in another £28 + £5.68 in Interest! Looks like it was added on after I got off the phone to them yesterday as no-one said that it was added in

thanks for the reply. i have contacted the financial obsman by email and i am going to send their form 1st class recorded delivery and hand in a letter to the bank today. hopefully they will reply asap cos i didn't like the way i was fobbed of on the phone at their 0845 phone number.

I've been stupid. Until now, I never knew what the words overdraft truly meant, I'm genuinely disabled btw. The RBS have been charging me £28 + interest from about August last year and I need advice. They said in my statements that I didn't need to pay money into my account and now I got told at the weekend that I have until friday to get it clear or they'll take action against me. i owe them £252.31......I just transfered £260 online from my Clydesdale Bank on Saturday and the money was taken off my Clydesdale Bank account today, I emailed Clydesdale Bank to see how long it'd take on Sunday, to get a rough idea when it would clear and they said today that because yesterday was a bank holiday, it is due to enter my RBS account on Thursday. I told the RBS this today over the phone and they said ok, and i told them i have solid proof that i have attempted to pay it off and from next month on i'm in a position to pay £100 a month into my account. In case it's not and action is taken, what should I do? I don't want to worry ma parent they have enough on their plates without their thick daughter getting into trouble with the bank. As a precaution, I have printed off my statement today and also proof that the funds cleared from my clydesdale account. Do I have a right to ask for these charges back once they clear? I definately can't afford to pay it off tomorrow as I don't have enough money in my account to do that without overdrawing on that too. I'm 24, never been in trouble with anyone Help! I'm such a worrier and I'm in tears with this, I know I'll never do it again!