hi matherws mum, i sent mine off and they said they never received it. did you send it recorded delivery

good luck, if you havent heard anything in 3 week just give them a quick ring to make sure it hasn't been 'lost'

really excited today as i've worked out all of the charges and it comes to 6,500.just sent my prelim letter today by recorded delivery. can't wait BRING IT ON AND LET BATTLE COMMENCE!!!!

When My Dad Died On The Same Day I Had 3 Items Coming Out Of The Account. I Told Them I Couldn't Get In To Pay The Money In And They Just Said Tough People Will Tell Us Anything To Get Charges Reversed. The Charges Stood. But Its Tough On Them Now As Im Claiming 6,500.00 Plus 1700.00 Int As Well.

hi guys sorry but i need some more help. been on spread sheet and worked out how many charges which is 6305.77. i'm just typing out my prelim letter and have come to the part you have taken xxxxx plus xxx which you have charged me in overdraft int. how do i work out what they have charged in overdraft int as in the statements it doent say.

i sent my sar on the 7th july with cheque. heard nothing i have since rang them 3 time the last time i said i'd hold on the line while she ordered them. got the statement today off the rbos and they havent cashed the cheque so i'll be cancelling that in the morning. good luck with your claim

can someone help please!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

i dont knowhow to use the spreadshhet for the refunds do i just overtype what vampires has done then it will calculate for me

do i need to break down items such as im claiming xxx for returned dd, xxxx for returved cheques, xxxx for card misuse. etc

sorry to be a pain but going through my statements i have int charges per month around 12.00 charges pm 12.00, charges unpaid items between 30 and 38 each and referal charges which ones can i claim for please help.

got statements through this morning after a SAR and 3 follow up phone calls. after a rough calculatuion they owe me around 7 thousand pound but im confused can i reclaim referal charges and charges for misuse of a card.

i know you have to give them 40 days to send out bank statements but they havent even rang or sent an aknowlegement letter out cheque hasn't been cashed as well. i sent the sar on the 7th should i ring them to see if they are preparing the statments for me as i have been reading other threads and a lot of them seem to have heard something by now

spot on but in phone call this morning she said only interst in being added on now by the month at 20 odd pounds

4 months ago the bank told me i had to pay the overdraft back which with interest and charges was 1772.87. said i couldnt do it. sothey told me credit managenet would contact me. in the meantime find another account and have all money paid into that. wait for the cmt to contact me. when they did they said my loan is 3521.00 and my current account is 1772.87. all accounts have been suspended. i havent made a payment for loan since they told me to wait, so 3 payments have not been made. they also said when one account comes to them then they all do. have told them on the phone this morning that i will set up a s/o for my loan payment each month.

sorry but just got off phone to credit management services. didnt discuss trying to claim charges back. just wanted to know what was happeing with my account. she told me all of my acc were suspended and it didnt matter which account money came into it would all come off total amount outstanding. when amount was settled in full then all my accounts would be closed and i wasnt allowed another account with rbos ever again!!!!!! when i have checked my credit report. it shows i am 3 payment behind with my loan when i have never been in arrears with befor. but she said when i defaulted on my current account then all my account come over to them (credit mamagment services). have i done wrong. i have another thread in the welcome forum. all details of whats been going on in there. dont know how to merge both threads together any help.

i have another account with abbey and all money now gets paid into here. started another thread in the royal bank of scotland forum. will keep you posted

sent letter on 7th july for statements for last six years as i havent got a clue as to how many charges i have received. just waiting now. can i still ring the bank to discuss my loan payments and do i need to tell them that i will be claiming full refund or do i wait

is there anybody out there who can tell me how long it ususally takes from sending out you SAR - (Subject Access Request) and the bank paying up

posted sar on the 7th july do i just sait for a reply?

sent off sar on the 7th july do i just sit back and wait now?

right her goes. i have a current account and a loan account. my loan account has been running for about 2 years without ever missing a payment. my current account hasnt been that good im afraid. with 5 children mioney can sometimes be tight. and as you do rob peter tio pay paul. or i would write a cheque and hope it would only clear when my money had gone in and i know i was in the wrong by doing it but the bank would let the cheque bounce threee time and therefor incurr 3 charges of 35 per cheque. its only recentley that i have discovered the 35 per charge is essecive. i was just told its in the terms and conditions.i have kept in close contact with the bank totry to resolve the problem and they kept upping my overdraft. then they put me a repayment progrmme which i couldnt afford then they told me to have my child benefit and wages payed into somewhere else and go for bankrupcy or to their debt rrecovery team. after several more telephone conversations they have told me to pay them 15pw for 6 months and they will look at refunding 1 or 2 charges . so i pay 60 pm back to them and they are still charging me 35 pm for being overdrawn. it seems a visious cirlcle i cant get out of

i received letter this week rang them to discuss what my options were. they asked for a breakdown of income and expenses. then told me to pay 15.00 per week. in the meantime charges for being overdrawn were still being incurred but if i made payments every week for 6 months they would consider refunding 1 or 2 charges but only if i could prove to them that i was serious aboput repaying my debt to them. I have just printed off the form to see haow many charges i have actually paid to the in the last 6 years but im sure it must be thousnands. as an example my dad was dying and i had 3 things comiong out of the bank that day. i rang the branch and told them i couldnt get in to pay the money in as my dad didnt have long left to live. this was at 2.10 they told me if the money wasnt in the account for 3 them the charges of having 3 items returned would stand. my dad passes away at 2.40. the charges stood. 105 pounds in charges just in one day because i couldnt leave my father. when i went to the bank the following week i was told people will tell us anything.

the bank told me that it was going to be sent to their recovery section and advised me to have my money paid into another account and stop all transation with them. as i was over drawn with charges then any money paid in would come off the charges not the loan. since then 2 payments of loan have not been paidas the current account and loan account have been merged into one also my saving account which by the way only had 83p in it has been closed by them.

having had a lot of problems with my bank rbos they have sent me a letter to say they have closed my account and i have to pay them over 5000.00 pounds back. most of this is charges and they have also added my loan onto this which was never in arrears. cant pay loan anymore as everything has gone to a part of the rbos which just deals in paying off debt. what do i do?