Hi all

I tried to get RBOS to stop charging me for unauthorised overdrafts, which they created by charging me for an unauthorised overdraft taking me over my limit.

I was told they would not help because I had already received money back through the court for unauthorised over drafts and other illegal charges.

Aren't they sweet.

Come on OFT, FSA, untie our hands and lets us get at them.

Power to the people,

fight for salad cream

Steve

Hello fellow fighters for justice and salad cream

Does anyone have any idea when the OFT v Fecking Banks court case, might be completed, I have had a stay put on my claim, very annoying.

Is there anyone getting their claim heard in court at the moment or is the whole court system on hold until the outcome of the OFT case.

Chips with salad cream say no to the mayo

Steveh3

:-?

Thanks sea-sidelady

I am starting the court action this week.

It looks like OFT court case could go on for some time before a resolution is found, months rather than weeks by then there will be a lot of cases backed.

Thanks

Steve H

Morning

I received a reply from RBS about my claim, they say until the out come of the OFT test case the they have asked the Financial Services Authority (FSA) to suspend the normal timetable for dealing with bank charge complains and therefore are no dealing with any complaints.

They say the the FSA has indicated that as a general proposition it will indeed not proceed with cases which will rely on legal issues being considered in the test case.

They also say the master of the rolls (in england and wales) and the the lord chief justice in northern ireland has issued a notification suggesting that the county courts stay proceeding until the test case is resolved.

Is the true, I think it could be a smoke screen, should I continue with the next stage informing them that I am about to initiate court proceedings?

Can anyone help.

Steve H

Thanks likelylad

I have sent off the first letter, but just received another charge for £28 quid putting over my overdraft limit again.

Is there anything I can do to stop this madness now without going to court or do I just add it on to the rest of my claim.

Thanks

Steve H

Hello All

I have just totaled the maintenance charges on my RBS account and I am about to start claiming the money back from the bank.

I have in the past claimed the £38 paid refferal charges over the same period, but missed the £28 maintenace charges.

Has anyone claimed the £28 maintenance charges back.

Also when the maintenance charges were taken, there was also an interest charge can I claim any of this back.

Help

the fight is right

Hi all

With your help I have sorted out the bank, thanks (Donation made), now I am looking at mortgage charges.

I want to know if any of the charges for changing Building societies, or for changing type of policy within same company or for taking out extra,can be reclaimed.

Thanks

Steveh3

Thanks Hedgey06

I will claim for all the £28,s they have charged me, I have the last 6 years account details already and about to send the first letter.

Thanks for your help

Hi All

The RBS are charging me £28 every time I have a month where I exceed my overdraft limit, this is over and above the paid refferialS of £38 I,am charged can I claim the £28 back.

Also I was charged £35 for guarantying a debit card payment, but when I used the card it proceeded as normally, if there was not enough money in my account the payment would be cancelled.

Can you help.

Cheers

Steveh3

Hi sticky

Good work.

The RBS are charging me £28 every time I have a month where I exceed my overdraft limit, this is over and above the paid refferial of £38, can I claim the £28 back.

Also I was charged £35 for guarantying a debit card payment, but when I used the card it proceeded as normally, if there was not enough money in my account the payment would be cancelled.

Can you help.

Cheers

Steveh3

Hello and welcome to CAG.

 

Were the charges after 6 years or before?.. The reason i ask is that charges are normally claimed upto the 6 years within the time limit. However, quite a few people have claimed beyond the 6 years, by using the Limitation Act, and have been succesful in doing this. There is more intoformation here on that:

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html?highlight=BEYOND+6+YEARS

 

Before you start the process of getting your charges back, have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

 

If you any questions please do come to the forum and we will only be too happy to help you!

 

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

 

All the info to get you started is here:

http://www.consumeractiongroup.c o.uk...se-read-these/

 

There are more links below to assist you get around the site.

 

Good luck

 

Ukaviator

Hello ukaviator

The royal bank of scotland charge £38 for an unauthoristed overdraft and £28 over and above that for a maintenance charge if the overdraft limit is exceeded, can I claim the £28 back.

cheers

Steveh3

Thanks livelylad

Thats what I,ll do.

When I spoke to them I suggested that if they were waiting for the OFT court case outcome before they accept claims for illeagle charges, then they should stop taking the charges also, funny but they said they wouldn't.

Thanks again

Steveh3

I contacted the RBOS last week asking about a charge made on my account.

I ask for the £38 pound taken from my account to be repaid, I informed them that I had already retreived money from them for illegal charges.

I was told that they would not look at any further claims until the OFT test case was completed.

Is this correct?

Steveh3

Hi

I just won £1487 from barclays through a summary cause claim, barclays did not put up a fight.

I have made a donation to this site and would like to thank the site for all its help, top people great job.

I need some more help Can I make a claim over 5 years on Scotland.

Steve h

yahoo

Court date was this friday, got a letter from Barclays monday paid in full.

It was so easy they said it was relatively small (£1485) and not cost effective for either party to take the matter to trial.

Ha it may be a small amount to them but not to me.

go on everyone it feels great to beat the B******ds.

Now how do I donate to this site.

Hi Squall

No I didn't claim on line I started the claim over a month ago.

I don't know the procedure do i recieve anything from the court or barclays before the court appearence.

Thanks for your help

Cheers

Steve H

Help

I have a date for the court 11/04/07, I contacted the court officer who said that barclays have contacted them and say they will contest my claim.

This has made me a bit nervous, is this normal barclays behaviour, or am I in trouble.

Steve H

Hi Bankfodder

I have an account with barclays in berks, I now live in Scotland how far back can I claim.

Thanks to you I have a claim going to court soon for the last five years,

Great work guys

Steve h

What a proram blow them right out the water.

I am delivering my Summary cause form to the court this today, the program (Whistleblower) has given me so much more confidence.

I will try and get a copy and use it in court (if allowed).

Surely now OFT must address their illeagal profiteering policy.

How many accounts will be closed today?

Hi guys

I really could do with some help, could someone look at this claim and tell me if its valid.

Cheers

steveh3

ENTER YOUR FULL NAME HERE

ENTER YOUR BANK'S FULL NAME HERESORT CODE:ACCOUNT NUMBER:SCHEDULE OF CLAIM FOR CHARGESPERIOD: [DATE FROM] TO [DATE TO]In Respect of:AmountDate IncurredDays since offenceInterestUNPAID CHQ CHARGE£10.0031/03/20031446£3.17The first interest rate is for interest on unlawfully deducted items up to the date of service. You can use almost any rate you see fit, or are brave enough to claim, i.e. 2% above base rate, 8%, contractual rate, etc. Obviously you may have to justify the rate you use in court.UNPAID CHQ CHARGE£10.0003/03/20031474£3.23UNPAID CHQ CHARGE£10.0001/05/20031415£3.10UNPAID CHQ CHARGE£10.0001/05/20031415£3.10UNPAID DD CHARGE£10.0031/03/20041080£2.37UNPAID DD CHARGE£10.0031/03/20041080£2.37CLEARED TRANSACTION£10.0001/05/20041049£2.30CLEARED TRANSACTION£10.0001/05/20041049£2.30CLEARED TRANSACTION£10.0001/05/20041049£2.30CLEARED TRANSACTION£10.0001/05/20041049£2.30Enter rate used here:8%UNPAID DD CHARGE£10.0001/05/20041049£2.30CLEARED TRANSACTION£10.0031/05/20041019£2.23The second interest rate is for interest on the total claimed at the date of service. You must use the judicial interest rate which currently is 8%.CLEARED TRANSACTION£10.0031/05/20041019£2.23CLEARED TRANSACTION£10.0031/05/20041019£2.23CLEARED TRANSACTION£10.0031/05/20041019£2.23UNPAID CHQ CHARGE£10.0031/05/20041019£2.23UNPAID DD CHARGE£10.0031/05/20041019£2.23UNPAID CHQ CHARGE£10.0031/05/20041019£2.23Enter date of service here as text:16/03/2007CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0001/07/2004988£2.17CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/07/2004958£2.10UNPAID CHQ CHARGE£10.0031/07/2004958£2.10UNPAID CHQ CHARGE£10.0031/07/2004958£2.10CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03UNPAID DD CHARGE£10.0031/08/2004927£2.03UNPAID DD CHARGE£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0031/08/2004927£2.03CLEARED TRANSACTION£10.0001/10/2004896£1.96CLEARED TRANSACTION£10.0001/10/2004896£1.96CLEARED TRANSACTION£10.0001/10/2004896£1.96CLEARED TRANSACTION£10.0001/10/2004896£1.96CLEARED TRANSACTION£10.0001/10/2004896£1.96UNPAID DD CHARGE£10.0001/10/2004896£1.96UNPAID CHQ CHARGE£10.0001/10/2004896£1.96UNPAID CHQ CHARGE£10.0031/10/2004866£1.90UNPAID DD CHARGE£10.0031/10/2004866£1.90UNPAID DD CHARGE£10.0031/10/2004866£1.90UNPAID CHQ CHARGE£10.0031/10/2004866£1.90CLEARED TRANSACTION£10.0031/10/2004866£1.90CLEARED TRANSACTION£10.0031/10/2004866£1.90CLEARED TRANSACTION£10.0031/10/2004866£1.90CLEARED TRANSACTION£10.0031/10/2004866£1.90UNPAID CHQ CHARGE£10.0001/12/2004835£1.83CLEARED TRANSACTION£10.0001/12/2004835£1.83CLEARED TRANSACTION£10.0001/12/2004835£1.83CLEARED TRANSACTION£10.0001/12/2004835£1.83UNPAID DD CHARGE£10.0001/12/2004835£1.83UNPAID DD CHARGE£10.0001/12/2004835£1.83CLEARED TRANSACTION£10.0031/12/2004805£1.76CLEARED TRANSACTION£10.0031/12/2004805£1.76UNPAID CHQ CHARGE£10.0031/12/2004805£1.76CLEARED TRANSACTION£10.0031/12/2004805£1.76CLEARED TRANSACTION£10.0031/12/2004805£1.76CLEARED TRANSACTION£10.0031/01/2005774£1.70CLEARED TRANSACTION£10.0031/01/2005774£1.70CLEARED TRANSACTION£10.0031/01/2005774£1.70CLEARED TRANSACTION£10.0031/01/2005774£1.70CLEARED TRANSACTION£10.0031/01/2005774£1.70CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63UNPAID CHQ CHARGE£10.0003/03/2005743£1.63UNPAID DD CHARGE£10.0003/03/2005743£1.63UNPAID CHQ CHARGE£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0003/03/2005743£1.63CLEARED TRANSACTION£10.0001/04/2005714£1.56CLEARED TRANSACTION£10.0001/04/2005714£1.56CLEARED TRANSACTION£10.0001/04/2005714£1.56CLEARED TRANSACTION£10.0001/04/2005714£1.56CLEARED TRANSACTION£10.0001/05/2005684£1.50CLEARED TRANSACTION£10.0001/05/2005684£1.50CLEARED TRANSACTION£10.0001/05/2005684£1.50CLEARED TRANSACTION£10.0001/05/2005684£1.50CLEARED TRANSACTION£10.0001/05/2005684£1.50CLEARED TRANSACTION£10.0031/05/2005654£1.43UNPAID DD CHARGE£10.0031/08/2005562£1.23CLEARED TRANSACTION£10.0031/08/2005562£1.23CLEARED TRANSACTION£10.0031/08/2005562£1.23CLEARED TRANSACTION£10.0001/10/2005531£1.16CLEARED TRANSACTION£10.0001/10/2005531£1.16CLEARED TRANSACTION CHARGE£10.0001/10/2005531£1.16£1,080.00£207.93TOTAL CLAIMED AT DATE OF SERVICE:£1,287.93JUDICIAL INTEREST AT CURRENT RATE OF 8%£0.00TOTAL CLAIMED AT DATE OF JUDGEMENT OR PAYMENT£1,287.93

Hi all good people

I have a claim for £1080 from barclays.

I have made the claim for refund.

I have recieved an offer of £715.

I have sent the LBA and they would not offer anymore.

I am about to apply to the small claims court.

Has anyone any experience dealing with Barclays through Scottish courts. I am raising two claims. 1, £740+176.85 interest, 2, £340+134.82.

The 1st claim is under the max claim allowed, but when the interest is added it is higher than the max, am i doing the right thing.

Any help would be great.

Steveh3

Hi all good people:)

I have a claim for £1080 from barclays.

I have made the claim for refund.

I have recieved an offer of £715.

I have sent the LBA and they would not offer anymore.

I am about to apply to the small claims court.

Has anyone any experience dealing with Barclays through Scottish courts. I am raising two claims. 1, £740+176.85 interest, 2, £340+134.82.

The 1st claim is under the max claim allowed, but when the interest is added it is higher than the max, am i doing the right thing.

Any help would be great.

Steveh3:-?

Hi all good people

I have a claim for £1080 from barclays.

I have made the claim for refund.

I have recieved an offer of £715.

I have sent the LBA and they would not offer anymore.

I am about to apply to the small claims court.

Has anyone any experience dealing with Barclays through Scottish courts. I am raising two claims. 1, £740+176.85 interest, 2, £340+134.82.

The 1st claim is under the max claim allowed, but when the interest is added it is higher than the max, am i doing the right thing.

Any help would be great.

Steveh3

Getting sorted to go to court, if I add the standard interest and my expenses I go over the £750 max.

Is this correct or must the total claim be below £750.

Steveh

Hi thegujju

The offer was before the LBA, I think you are right I should at least send the LBA.

Thanks

Steveh3