I neve rlyed, i just never told the truth

Yes i was homeless at one point. not whilst in ths dispute. no

I put another thread on here ages ago about my bank charges by the RBS. To cut a long story short - i had an extended over draft - 'verbal' agreement that they call, i remembered giving them a date of when it would revert back to my ORIGINAL overdraft. However, i forgot about htis and days latter i received a letter - reveiw date, terms and conditions - this letter did no say what it was reffering to, i then assumed it would relate to my EXTENDED overdarft. Anyways they cancelled my extended over draft without notice. This left me over 1k in the red. I called customer services on several occasions to resolve this - only to be told: 'sorry we cant help you'. I also went into the bank to complain about this - they promised this would be taken care of. They gave me over 500pounds in charges because of unpaid DD ect. Anyways, on occasions when i called customer services, i had some DD coming out - i checked online banking and it said the items were paid, i asked the customer services advisors and they agreed it did go through - WRONG - what they did NOT do wa sinform me that if i have insufficiant funds the DD would come back unpaid - this thenb put me in a great position to get my money back - illeglay missinformed information - tut tut RBS. So...this is how i got my money back: I wrote a letter expalining that i recevied that reveiw date - which did not tell me what it was for. I also complained about customer services telling me they could not help me when they sent letters telling me to call customer services to sort this issue out in the first place. I also said they (customer services) told me the wrong information and claimed my DD went through when they did not. I then told them becuase i had no money and they were charging me for everything i was homeless and in hospital becuase i did not eat. I told them i went to the CAB and seeked legal advice and said i would take them to court. They then refunded ALL the money back into my account

thanx for that. But they what about the other things, sending me a letter with NO explaination on what it is about. I mean it just went straight into technical clauses. What about them telling me my DD were paid and then later finding out they were NOT. ??? surely that must be wrong

I went into my bank and requested an extension on my overdraft...bingo - they agreed, so i got an extra 1000 overdraft limit. I am a student and have an original overdraft. I wrote down a date for how long i needed this extension for - iwa shappy with this. 3 days late ri geta letter - no covewr letter or anythign explaining what it was about - it said that my overdraft had a reveiw date till October, so theres me thinking great i dont need to worry about paying back that extension over draft anytime soon. On that later it had my original overdraft limit and not my extended one, this was a bit confusing but i assume dit would relate to my extended one since i applied for one. I mean y else would they send that letter about ,y original? Anyways i found out - not by my bank, by my insurance company that my DD never went through, i checked online and it said i could not take any money out, so i called online banking, they said my over draft was back to my original. I went into my bank and spoke to one of the managers, i was told that i made a 'verbal' agreement and they did not need to tell me when they cancell my extenmded overdraft limit. They also said that i gave them a date of when i wanted it reverted back to my original over draft limit (which is true). They also said that i agreed to have it back to my original overdraft limit once mny student loan went in - but this was 4-weeks after that my overdraft got put back to its original. After showing him my letter that i received about the reveiw date, i was told that it was about my original over draft not my extended one. Afte ri asked him y it was sent - he said he did not know y. Since this i have had 38-pounds a time charges for not paying a DD (when it clearly says on my online statement that my DD went through everytime (even when i called they told me it went through), but late ron found out my DD got returned unpaid and occured a 38-pound charge. I have had 5 x 38-pound charges in 1-month and x1 10pound maintainance charge. I have called on 3 occasions and pope dintot he bank to resolve this issue - each response was 'sorry we cant help you'. Does anyone know of they are making illegal charges and giving out false information? I mean sending me a letetr with no cover letetr explainign what its about - surely that cant be right? and all these charges for a DD unpaid when it clearly says online that it went through.