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- Consumer Action Group

I was pretty sure that you could claim back number 2 as afterall it is a penalty for going overdrawn.

Can someone confirm if thats the case cause if so bang goes my claim as thats what most of my charges are (i.e. for being overdrawn)

EDIT - Taken from the FAQ

Q. I have been charged (£20, £25, £35 etc...) by my bank/credit card company for going over my agreed overdraft limit. This was entirely my own fault. Do I still have grounds to start legal proceedings against them for recovery?

 

A. The law is very clear on this. If you have been penalised for a breach of contract by means of disproportionate penalties, regardless of how the breach came about, then you may have grounds to recover your money

 

I want to claim back Bank Charges. I need to know how far back I can take this claim.

 

Also, I need some advice concerning the process of getting back my money. I am about to become engaged in a 3-way battle with the RBOS over the mis-sale of a loan. I have enlisted the support of the banking ombudsman. I really want to get even with this bank which has extorted over £9000 from me.

 

If anybody could help me, it would be greatly appreciated

You can claim back the last 6 years worth of charges.

Your 1st step should be the FAQs but a quick answer is to download the DPA letter template and send that off so you can get your last 6 years worth of statements.

Well after I had used the wrong template I realised that I am not claiming enough!

I am just out the bank there and handed over 3 letters for various amounts totaling £1100.

I had an interesting chat with the lady at customer services and she informed me that she will be sending these to head office as there is a dept there who deal with these sort of claims so hundreds of people must be trying to get their money back from RBOS.

Fingers crossed it all works out as the RBOS are robbers without the mask!

I will keep you all updated with my progress

Thanks for all your help

Thanks for the reply JMio

It appears that I have mistakenly used a different template for my 1st letter.

I sent them the following letter which was replied to above.

Dear Sir/Madam,

I refer to default charges which have been applied to my account over the last 6 years by The Royal Bank of Scotland, amounting to £767.98.

I have been a loyal customer of The Royal Bank of Scotland for 16 years.

 

I have always maintained my account well and believe that the charges applied to my account do not reflect the cost to the bank of my account going into unauthorised overdraft.

I therefore ask that you repay the amount of all these charges, £767.98.

I am happy for you to contact me on ******* to discuss the matter.

Yours faithfully

 

 

I will stick to the templates from here in future.

What letter should I send my local branch next?

this one

or

this one?

Sorry for the confusion and thanks for your help

Hi there,

I sent my 1st letter off to my local bank last week explaining that I want my charges refunded and I have received the letter below back.

I was wondering if this is a standard letter (I know bits of it are but the bits I am unsure of I have highlited in bold. Can someone please have a look to see if this is a standard letter please as I am going to send in letter 2 tomorrow

 

dear xxxxxx

 

Thank you for your letter dated xxxx and I appologise for any dissatisfaction caused by the application of charges to your account.

 

We believe that our charges are fair, reasonable and transparrent.

We consider the amounts debited to your account have been applied strictly in acordance with your agreement with usand our published tariff, which we are satisfied complies with all applicable laws and regulations. We are also commited to ensuring the transparecy of the info that we give to our customers about the operation of our products

 

Against that background, we must differ to the views expressed in your letter.

Accordingly the charges that have been applied to your account must stand.

 

Thanks etc...

 

Can anyone shed some light for me as I think that this isnt a standard letter.

The letter was sent by my local branch and not Tommy McLean etc at head office.

Thanks in advance.

Hi all,

first post on here so be gentle with me please

I have requested the last 6 years of statements from RBOS by telephone last week and the arrived at the weekend.

I have calculated that between August 2000 - May 2006 the bank have charged me about £760 for referral charges for going over my overdraft.

I have edited the second letter with my details but was wondering who I send the letter to?

Do I send it to my local branch or do I send it to someone in this thread?

Should I send it recorded delivery or does it not matter?

I reside in Scotland and all charges relate to my account that I have had for over 16 years.

Thanks in advance for any help offered.

Pointy Shadow