I'm about to send off my claim. In the meantime the bank are still making chrages, £35 for card missuse as I overdrew by £28!. They now refuse to discuss charges with me and said this is because I have made a claim. So I had to point out that I haven't actually made a claim, just requested statments. However, they told me that the wording of the letter (SAR) under the data protection act now means that they are treating it as a claim. I write this just to warn everyone that as soon mas you send off the SAR letter, the bank are fully aware of what you are doing and their attitude to you changes considerably.

I have been wondering the same thing, also becuase I have a Royalties Gold account which has an agreed monthly charge (currently £12), but then I also have a maintenance charge of £28.00 on top! Roger

Hi Alison, Yes they really try it on!!! They did at least refund my £5.00 charge, but haven't yet cashed the £10.00 cheque. In any case I did receive 5 packs of statements yesterday, so it took them 20 days to deal with it and send them out. I had fun going through them, and calculated that they owe me £1740. I just need to check them again and then it's time to send in my claim. As you say, I'm sure they already know what I'm up to! I'll keep this thread up dated. Any news on your claim? Roger

Well the bank called me this morning to say that the £10.00 charge is indeed correct under Data Protection laws, and they will be cashing the cheque. However, they will also refund the £5.00 charge which was actually for a 'historic statement' request. Talk about the right hand not knowing...! R

BRILLIANT MARK WELL DONE!!!! I'm just starting the process myself and feel rather intimidated by it, but your message has really cheered my up!!! Rog

Hi, The lastest for me is that the bank has now charged my account £5.00 to send me the statements (I have now cancelled the orginal cheque I sent). So I am waiting for the statments to start my reckoning. Just looking through my account from Sept 1st they have made charges of £540! I also wrote to my bank to ask for justification of their charges, but as yet no reply. Rog

Hi Everyone, Thanks for all your replies. It will be interesting to compare notes on how things are developing. The first letter I sent was the SAR and I sent it to the St Andrews Square address. I have now written back to Retail Regulatory Risk pointing out that I did include a cheque to cover the fee. In fact they now owe me £5.00! So I am still waiting for my statements. I intend to wait until roughly a month has passed since my initial letter and then send them a reminder of how much time they have to comply with my request. Do keep me up to date with your claims. Good luck!!! Rog

Hi LH, I sent my letter to The Royal Bank of Scotland, 36 St Andrew Square, Edinburgh, Midlothian, EH2 2YB. This seems to be their main registered address, but I'm not really sure if it is right. I also copied the letter to my local branch. The address I got a reply from is listed in my first post, the Retail Regulatory Risk dept. Hope this helps, Roger

Well the ball is now rolling. I sent in my S.A.R - (Subject Access Request) letter on Oct 1st and recieved a reply from Joyce E Tudor, Retail Regulatory Risk (Business House B, PO Box 1000 Edinburgh EH12 1HQ) on Oct 9th. Although I did send a cheque for £10.00 pounds and refer to it in my letter, she told me "If you would like a copy of your bank statements, I will be happy to arrange this and they will be sent out directly. The fee for this is £5.00. I would be grateful if you could send a cheque...blah, blah, blah..." Their time is running out..... Roger

Many thanks younganfree I will do that. I have already looked through the threads there, so I will start one. Many thanks for your advice.

Hi Everyone, Like most people who start this process, I'm rather apprehensive about it. On October 1st I sent the S.A.R - (Subject Access Request) letter to the RBS along with the £10 fee. I also have a loan with the RBS and credit card and have read on the forum that the bank sometimes starts to ask for all the money back that they have lent you in one way or another, if you start to make proceedings against them. Has anyone had experience of this, and can they legally do it if you have kept regular payments? Thanks for all the help and advice on this forum! Roger

Hi ellbelss33 I also just started reclaiming. Have a look at the letter templates here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/. They are very useful and will tell you everything. Good luck! Roger

It's Ok I just read the FAQ. Thanks, R

Hi, I'm also new to this forum and am just starting a claim to the RBoS. After being recently very unfairly treated by them I decided to look into their conduct in more detail. I have also received what I consider to be excessive referral charges, like £60 or £90. Are these also reclaimable as unfair penalties? Thanks, Roger