This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

2nd letter ready for posting. There's another thread here that deals with interest on the unlawful charges - thanks for that - I will bear 'interest' in mind! On some statements from RBS I find that charges are levied before a wage-payment goes in?? This may or may not be 'legal' - but it reeks of profiteering eh? E.g. on one statement a cheque is unpaid and charged @ £30 - the day after a month's salary goes into the account! Not good business eh? As self-employed I've had to use small-claims court to obtain bill payment a couple of times. It's nothing to worry about. The Court, you'll find, is on your side when you file for a claim or ruling. They are there to help you - and they do. I'll send a few more letters yet, then will, on my son's behalf, go to small-claims court if needed. I hope this post helps others - your posts have been a great help here - thanks! Skint (Actually Dave)

Thanks roger, I'm at present trying to trace the salary payment that should appear on the sample above. Son's firm confirm by phone that the wage paid on 26th Oct 2005 was £919.35p net. - salary for Oct. 2005. ??????????????!!!!!!!!!!!!!!!!!!!!!!!! In nov 2005 another £72 went onto 'overdraft' as charges - wage went in and, (very wisely imo!) son immediately withdrew £400 + in order to ensure that he could live & get back to work the month after!!! From this wage input RBS took the £200+ charges! leaving son again £37+ in overdraft!!! - and missing a full months salary??!?? Can this happen?

Thanks for comments. Just for interest here's one very suspect statement... 3rd oct 2005 interest paid in 00.02p balance £80.85p card (out) 70.00p (4th Oct) cashline (out) 10.00p balance 00.85p (6th Oct) referral charge (Sept)??? 60.00 (10th Oct) interest (to end oct)??? 3.34 (19th Oct) CHG (to end oct)??? 34.00 (19th Oct) CHG unpaid item 38.00 (2nd Nov) (Balance at this date now £134.49 overdrawn?????????????!!!!!!!!!!!!!) This is a sample monthly statement. At no time does my son go overdrawn! And where the hell is his salary??? Paid on last Wednesday of every month???!!!!! Look guys, I think this is a job for the bloody Police! Not just a small-claim!!!

I first logged here a while ago - meantime I've been mugging-up on son's 'bank account' with RBS. It's an absolute joke imo. Son ran ok for 1-2 years with ordinary a/c, then began to use it for DD's. RBS 'advised' a Royalties a/c and son agreed. He had 3 dd's - his monthly salary well able to pay all of them. Simple eh? No. RBS never (or very quietly and/or in very small print) mentioned the Royalty a/c £34 (is it?) plus interest monthly charge, which, it seems always needed paying just in time to render the a/c into red! Thus allowing bank to charge £38 (is it??) when the next dd couldn't be paid! Then they slapped an 'interest' charge on too. Son, (then 19 and by no means fully 'used' to banks and their methods) began to panic when great slabs of his salary (£138) in one month!!! Yes, I have the statement!) disappeared from his a/c as 'charges'. Because of this 1 of his dd agreements defaulted - total payable nearly £1,000 - and as last resort he asked me for help. Immediately I told son to pay his salary into my a/c and, with his signature on the letters, wrote to two other creditors to set-up new dd's from my a/c. No problem. The other dd's did actually default but payments were made to bring them fully up to date from my a/c. The main problem is a personal loan from RBS (hugely expensive) which carries interest charges @ over 7% and, as far as I understand it, must be paid through a Royalties a/c that carries a £34 or is it £38 monthly fee! plus irregular interest payments and of course punitive penalties for any defaults!!! Since Dec. last son has been charged between £500 & £1,000 ( I don't have all statements) on this a/c. His loan was for £7,000 and the RBS debt collection section are now claiming £16,000 because of the payment default - son had no choice - he could not use his RBS a/c. I have sent (after first visiting this site) a preliminary letter re: refund of charges to RBS, but now that a) son's salary is safe!?! b) other dd's are fully paid-up and c)son has enough £ to get to work each day!!!, I can fully get to grips, on his behalf, with getting his charges back! And, I will. Many thanks B.A.G. Sorry for long post, but it may help others.

Hello all, I've just found the site and, on behalf of my son, who has quite literally been bankrupted by RBS, will, if need be, take RBS to court regarding various charges they've made over past few years. Details & results posted here as they happen. Good luck everyone else!