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calliope

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Posts posted by calliope

  1. According to my last statement the overdraft was -5.12, but they said that they would take the charges off my account so I assume that will bring it to -£61.12. So, thus far they will have charged me £62.

     

    I'll send the DPA letter off tomorrow, but I'll have to phone my bank to find out the date that my account was opened, as I just have a vague idea. Thanks for your help!

  2. But can I close the account without paying the charges they've levied against me? You see I literally had just £0.88 in my account meaning that because of these charges I'm now -£33.12 into my overdraft, which is increasing by £28.00 each month. I did tell my local branch that I wanted to close my account and I made this clear in the letter I sent out today. But shouldn't I wait until I've given them a chance to refund these charges to my account? Otherwise I'll have to give them the cash up front, without any guarantee that I'll get it back.

  3. I'm pretty positive I don't have the T&Cs as it was so long ago and I tend to just keep the statements and throw out all the rest of the bumpf banks send out! Plus I was very young and too busy admiring my shiny new money box. I definitely haven't used my account since I was at least fifteen, I don't even know where my card is, never mind what my pin number is.

     

    My local branch told me yesterday that they updated my account because I was now too old for their 'Route 21' account so they automatically put me onto 'Royalties'. I remember getting the leaflet a while ago and glancing at all the fabulous deals and offers that came with this account, but since I wasn't using it I just put it in a drawer and thought that I should get around to closing it some day. I never signed anything, never spoke to anyone or had any dealings whatsoever with RBOS but they still seem to think that it's perfectly acceptable to put me from a young person's free account to an account with a £6.00 monthly fee without asking whether this is ok!

     

    I turned 22 last July and this apparently is when I was upgraded. The first few months are free, my local branch told me, so that's why it is only now that I have been hit with these charges. They have previously upgraded my account in the past from 'Route 15' to 'Route 17' and then 'Route 21': all free accounts for young people. This is why when I received the leaflet about the Royalties account, I thought nothing of it.

     

    Ariel - I'm pretty sure they didn't give me any notice, I read through all the letters I'm sent, but I certainly could have missed something. If this is the case could they argue that I could have cancelled the account during the few months of grace before the subscription applied? I just don't understand why a bank is able switch my account from a free one to one with a standing fee without my express permission.

     

    My current 'Service Charge' is £34.00, although it will go up to £62.00 on 7 March, as the 'Maintenance Charge' of £28.00 is a monthly one. I know it's not a huge amount of money, but I really feel that I've been unfairly treated here.

     

    I'm not sure if they've defaulted me, would they let me know? I guess I'll wait the two weeks I allowed them to respond in my letter (sent to the nameless 'Customer Service Manager' and my bank manager by registered post today) and then serve a DPA request.

     

    Thanks for your advice!

     

    p.s. I'm an English Literature student, avoiding imminent essay deadlines by writing strongly worded letters to banks and posting endless complaints on websites! If only there were sonnets on contractual law...

  4. My sad story:

     

    I opened an account with RBOS when I was a very young (for a free money box I think!) and I haven't used this account at all since I was about 15, (switching to HBOS with whom I've had no problems) but have never gotten around to closing it as I'm away from home at university and just use my other student account. So it was sitting there with 80pence in it, getting about a penny interest a year, and then last month I received a statement saying that I have gone over my overdraft limit and am now being charged a 'Maintenance Charge' of £28.00 a month. This is without me using my account for seven years!

     

    Then I discover that the RBS have upgraded my account without my permission to a 'Royalties' one with a subscription of £6.00, something I never signed up for. Since my account did not have sufficient funds to pay for this subscription they are levying me with these monthly charges. I've been to my bank to complain but they're refusing to give me a refund and are insisting that I pay the penalties.

     

    I've just written a letter to the head office, and I really hope it gets resolved. I'm a student at Glasgow Uni, and the SRC there seem to be getting pretty involved in dealing with unlawful bank charges for students so I'll see if they can advise me if RBOS make things difficult. I'd appreciate any feedback on whether you guys think this is a legitimate claim on my part. Thanks!

     

    p.s. sorry for my previous hijacking by the way, this is a great site, very useful!

  5. I opened an account with RBOS when I was a very young (for a free money box I think!) and I haven't used this account at all since I was about 15, (switching to HBOS with whom I've had no problems) but have never gotten around to closing it as I'm away from home at university and just use my other student account. So it was sitting there with 80pence in it, getting about a penny interest a year, and then last month I received a statement saying that I have gone over my overdraft limit and am now being charged a 'Maintenance Charge' of £28.00 a month. This is without me using my account for seven years!

     

    Then I discover that the RBS have upgraded my account without my permission to a 'Royalties' one with a subscription of £6.00, something I never signed up for. Since my account did not have sufficient funds to pay for this subscription they are levying me with these monthly charges. I've been to my bank to complain but they're refusing to give me a refund and are insisting that I pay the penalties.

     

    I've just written a letter to the head office, and I really hope it gets resolved. I'd appreciate any feedback on whether you guys think this is a legitimate claim on my part. Thanks!

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