do they !! that what nearly made me sick !!! i thought id just have a quick flick through and it was £90 virtually ever month !!!!!!!!!!

am i right in saying a can claim back the referel fees ?? as these seem to be the bulk of my charges ??

hi guys , just had my statements come through !!!!!! - had a quick look last night and was blown away with all the charges that have been applied over the years - infact i was nearly sick . like somebody else says on a previous thread i was amazed looking back on what my life was like !! - if only i knew then what i know now. what charges if any should i look out for ? well apart from the obvious ie returned cheques , direct debit , standing orders and referels ?? thanks for the help so far

to be honest the rbs loan is my only commitmant and isnt a major drain on my income - i guess i just feel really let down by their attitude towards my situation earlier on this year when i was stretched money wise - i relocated through work and had to rent a place and my apartment took longer to sell than i thought.basically i had double bills to contend with for over 10mths which made life interesting for sure. so i kind of want to claim back the charges that have been applied as a bit of a mini revenge thing

well i hope anyway !!!

i agree ,fanstastic site - i am going home happier and with a more positive outlook - gold stars in the post !!

not quite i owe them 20k. i dare say the longer they drag out refunding what they owe me the longer it will take for them to get me to commit to a payment plan !! -

yes I have pasted the data protection letter off the library + enclosed a cheque for £10 , my situation evolved after RBS closed mt account after i sold my house - which surprised me as i was not over due with any payments to them at all ,i was just overdrawn ( within my limit ) which would have been immediatly paid off with the proceeds from the sale. they are now pursuing me for my outstanding loan which ihave never not paid - on their letter to me they list all my accounts i had with them (morgage current loan etc) ,on my current account its listed as zero so thats why i am proceeding with tack of claiming the charges back . Over the last 6yrs i know the charges applied will be substanial. do you think i am within my rights to not repay my out standing debt as they have a grouped it all together until they have settled on my account charges ????????

i am at the early stages of claiming back my charges with from the RBS !! i have personally sent them letter asking for a full summary of my charges over the past six years - to my surprise (not) they have not furnished me with the info i have requested - any advise would be greatly appreciated ?