Well. I was wakened up this morning by a parcel company delivering my six years of back statements from the Royal Bank. All I have to do now is plough through them to see how much I've been charged.

My £10 cheque was cashed on 1st June and I'm still waiting for the statements or details of charges. Original request for information was sent on 27th April.

Thanks for that solowka. That's what I thought too.

Hi, I'm so glad I found this site I was a (not so happy) customer of the Royal Bank of Scotland for over 20 years and was regularly charged excess bank charges usually for going over my overdraft limit by a few pounds on the last day or so of the month. It made me so mad but I didn't realise I could do anything about it (apart from move bank, which I've now done) until now. Situation so far, is that I've applied for details of past charges but had no reply despite the 40 day period being up. The cheque for the £10 fee that I sent has been cashed. I've sent them a letter chasing them up which I'm waiting for a reply to. I know that the next step is a complaint to the Information Commissioner and/of a threat of court action. I'm a bit scared of doing that (big wimp that I am ) but hey, they deserve it. Just wondered if anyone could tell me whether the 40 days runs from when I sent in my initial request for info ( in this case 27th April) or from when the £10 cheque was cashed. Thanks gillymac

Thanks for the welcome What is the difference between unlawful and illegal and, more importantly, does it matter. Thanks gillymac

Hi, just wanted to introduce myself. I'm Gillian and I am so delighted to have found this site. I was a customer of the Royal Bank of Scotland for over 20 years and they ripped me off with excess charges on a regular basis for much of that time - usually for only going over my overdraft limit by a few pounds for one or two days at the end of the month. I used to rant and rave about this but didn't realise I could do anythign about it. Eventually I voted with my feet and moved bank (now with Alliance & Leicester and tbh they have now started doing the same so I'm not best happy ) and now I've found that what they have been doing is actually illegal and I can (hopefully) do something about it. Gillian

The cheque was cashed on 1st June. I will read the FAQs and then decide on what to do next. Thanks for your advice. gillymac

I agree, 2 months is too long and yes, they have cashed the cheque. I've sent them another letter to chase them up, reminding them that the information should have been sent to me within 40 days and giving them a further 7 days (big softie that I am :-| ). In the meantime, I'm going to have a good look through everything on this site. I know already that I probably should 'threaten' them with court action for non-compliance, which seems a bit scary but, hey they deserve it gillymac

Hi Billy, this is my first post too I am also in the process of trying to claim back charges from the Royal Bank of Scotland. I was a customer of theirs for 20 years and they regularly charged me what I considered to be outrageous ammounts for going over my overdraft by a very small ammount for a day or two before my wages went in. I eventually got so sick of them that I moved accounts to another bank last year but after reading about this campaign I am trying to claim back some of what they took from me. So far I have written to them asking them to send me details of charges / interest over the past five years. They sent me a form to complete, which I did and told me that I would have to pay £10 for the privelge of them giving me the information. Sent this off too and have been waiting for the information for the last two months without success I'm going to write to chase them up tonight. I think I sent all my correspondence to my branch address but if I find out differently, I'll let you know. Good luck to both of us gillymac