This is my first post here and I will try and keep it brief but the story is long and complex with different issues going on...I'll do my best to keep seperate items in seperate threads though and see if anyone can advise me as to whether I am going about things the right way.
I am a long-standing personal and business customer of RBS. There has been a steady flow of charges levied against me over the years (on average paying over £2000 a year in charges and fees to the bank). I have in the last few years had a reasonable relationship with the bank and have suffered the charges as what might be called a "hazard of the job" - all part of the joys of self-employment.
Recently howeve I have suffered what can easily be called bank bullying and over the last 3 months my business account has been mismanaged, I have been overcharged, underinformed, pushed from pillar to post and it has cost me days and days of trying to sort out my account and my creditors.
Because the account seemed to be on a downward spiral, my account has been sent to Edinburgh's management centre (they call it last chance saloon but I've been managed there before). The manager I spoke to there advised me to make a complaint to Customer Services about our treatment and he gave me the address and telephone number of the department.
We have been charged over £1000 in charges on the two accounts over the past 3 months. £350 of this has been returned to us already but I am so incensed with behaviour of the bank I intend applying for the rest to be returned. Most of the charges are for going over the overdraft or for bounced cheques.
In the meantime I have drafted a letter of complaint which stresses both the financial and the mental stress that this has put me under, requested reimbursement and compensation. I have charged them with breach of the Business Banking Code section 14. I have also compiled an exhaustive audit of communications. I have annotated a copy of the statements for the 3 months and highlighted everything that I am unhappy with and given reasons why I am not happy with an item, action or reaction of the bank.
This huge pack of information I intend sending to the Customer Relations.
(a)Is this likely to bring a result?
(b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum?
©Should I petition for the return of charges as a seperate item?
(d)Should I be forwarding this to other bodies such as the Ombudsman
I am only requesting the return of charges for the last 3 months, if I was to go for the last 5 years the sum would be huge but I am also aware that there is a small claims limit in Scotland of £750.00. Does this sound like I am being too reasonable; should I just go into them for as much as I can get.
I am quite happy for this to go to court but don't have much money....actually I don't have any, probably because I've given it all to the bank. To add further to the problem my credit rating is hardly gorgeous (no CCJ's but other stuff) and moving banks will be very difficult and getting lending from another bank likely impossible.
Any insight would be helpful
I did try and keep it brief, I'm hoping you all didn't fall asleep there.