Hi I have (had) an RBS credit card for a number of years and about a year ago my circumstances changed so I went through the routine of contacting all my creditors. Nearly all of them have frozen interest or reduced it significantly and I am on reduced payment that suits me. About 6 month ago RBS accepted my reduced payment of £200 per month but refused to reduce interest, the problem is the interest is slightly more than the payment, so for the past 6 month I have paid them £1200 but my balance has increased! Ive just recieved a letter from them telling me that they have reviewed my account and will continue with the reduced payment but no reduction in interest. At this rate I may as well chuck £200 down the bog each month. Any idea what I should do

I have an RBS credit card account, but no valid card. I fell behind with payments some two years ago following redundancy, and an inability to get a new job. My savings are exhausted. RBS say 'if you are having financial difficulties, call us' but all I got was cold people on the other end, saying 'we don't negotiate on the interest'. The debt is not astronomical - it is about £3,800, and I was paying through my bank on DD. I can no longer afford to do this. Does anyone have any idea why RBS simply will not work with customers who are in trouble? The worst thing? They removed my ability to pay on-line, and I was seeing some real progress there. It's like because they have been helped out, they don't care about anyone else. Has anyone has successful dealing with RBS, and found them helpful and friendly (unlike my experience)?

Hi all, My wife and I are about to apply for a mortgage so we thought it prudent to get copies of all our credit files to see exactly what might be there, as we've had financial difficulties in the past. The reports are all good, apart from a default from RBS for £268 for a current account my wife had at a previous address. Looking back at the paperwork we have, my wife used this account up until mid-2009 when she wrote to RBS asking them to close the account, at a time the account was inactive with a few pounds left in it. We moved house shortly afterwards. It appears they didn't close the account and the resulting current account maintenance charges mounted up at £20 a month until the account became overdrawn, so they added charges for that too until they finally defaulted her for nearly 300 quid! I'm up for a fight with RBS as we have copies of the letter we sent asking them to close the account and we wouldn't have received any mail from that old address as we only redirected mail sent in my wife's (by then) married name, the (as we understood it) now closed RBS account being the only one left in her maiden name. Bearing in mind it's for a smallish amount and made up entirely of charges, do you think I have a reasonable chance of getting RBS to strike this off? My intention is to SRA them in the first instance, to see if they received our original letter. If so, then I will ask nicely and make a goodwill gesture towards the charges in the interests of reaching a satisfactory outcome. If I get no joy from that, I intend to hit them hard and make them present the paper trail of default notices etc. Does anyone have any advice? Cheers BL

I made a complaint to the Financial Ombudsman Service about RBS back in 2012. In the information they gave to the Financial Ombudsman Service it said they registered a default notices in August 2007 but on my credit file they have listed the default date as 31/10/07. Is it worth contacting them to have it removed immediately? any help is appreciated

rbs and tesco defaulted me in 2004. They still give me minor grief occasionally. I have asked them to write off the debts, but they wont play and still want there £1 a month.

Hi , I am just about to drop this letter off in my local branch. Anyone have any advice before I do. I really am at my wits end as we have been in a debt management plan for the last six years. Only now are we debt free thanks to the mis selling of PPI but the RBS still seem to want more blood. Its the principal of the thing now!! The Manager Royal Bank of Scotland Xxxxxxxx xxxxxxxx 13 May 2013 Account Numbers - xxxxxxx, xxxxxxx, xxxxxxx Dear Sir/Madam, I am writing a letter of complaint over the way in which we have been treated over the years as a Royal Bank of Scotland Customer. We fully intend sending this complaint to the Financial Ombudsman Service depending on your reply. The “last straw” was a letter which we received on the 10th of may 2013. xxxxxxx xx. We paid off our account in full, including solicitors on 27 Nov 2012. Yet we have received a letter saying that the bank is pursuing us for 2 lots of solicitor’s fees after this date. We also have in our possession a letter from the solicitors instructing our file be closed dated 21st Nov 2012. The amount is for a paltry £53.16. Considering the thousands of pounds unfair charges, interest and Payment Protection which I have paid over the years it felt like one final kick in the Teeth from the illustrious (bailed out) Royal Bank of Scotland. I shall note a few of my complaints in no specific order but please review complaint as a whole as the problem seems to be endemic to the RBS. 1. Recieved Letter of Default the first time for account xxxxxxx on the 19th April 2007 (copy available if required) Recieved copy of notice to Default first time for account xxxxxxxx on the 19 April 2007 (copy available if required) These Defaults are still shown on my Credit File and are still having a detrimental effect on my credit score. Could you please remove at earliest opportunity as these are now expired as more than six years from date of default? Why have I continually received default notices for same accounts up to 2011 (copy available if required) Defaults may only be issued once on one account. 2. Prior to our going into serious Debt my wife and I were punished with an astonishing amount of Unfair Bank Charges. Alongside the seemingly perpetual Miss sold payment Protection (which we have now had refunded) Each Time we contacted the RBS because we were struggling a personal finance manager would convince us that a refinance loan was the answer to all our problems. “We were not aware at the time that a commission was paid to these employees on a target basis. Can you confirm this please? Due to the nature of my job up to 50% of my income was overtime which my wife and I always went to lengths to explain to your employee. At the time the person selling the loans always suggested that we put the larger amount on our applications. With hindsight I always felt rather uncomfortable with this but considering our worsening financial position was in no position to resist as your finance manager obviously knew best. I now realise that due to the banks policies of meeting targets I was the victim of irresponsible lending by your establishment. Unfair Bank Charges from January 2007 – May 2008 = £2732.00 (17 Month Period) I would also like to point out that previous to this period the charges are not much better. My wife and I really were quite a good source of income for the RBS while it lasted. 3. It was January 2007 that I finally faced the truth about my financial affairs as I simply could not handle the unfair charges any longer. I went to a Debt management Company by the name of Payplan. “This is a Company which the RBS endorses on all your Debt Advice Literature even to this Day.” We tried to be as cooperative as possible at this time as we always intended and now have, to pay all our creditors. The RBS seemed to go out of its way to be as threatening as possible. We followed Payplans instructions religiously and contacted all our creditors, except the RBS as instructed by Paylan who are “endorsed by the RBS. We paid as much as possible to our creditors after completing a an income and expenditure sheet but the RBS continued to add unfair charges, interest and then solicitors fees after taking us to court a year later. (We had not missed a payment through Payplan). All through the difficult times my wife and I never missed one mortgage payment. 4. Recieved a letter from RBS on 19 April 2007 which seemed typical at the time but scared my wife and I witless. It was a demand for immediate payment of £853083.80. If we were lucky our house was only worth £100000!! This scale of incompetence as it seems now was what constituted to our situation in the first place!! (A copy is available if required) 5. Although we never missed a payment on our mortgage we reached a stage where I was not working full time due to the weather and requested a payment holiday on my mortgage. As this was a repayment mortgage this was an agreed option when we took the mortgage. This was only for a month to help out but was refused on the ground of our other accounts. Another incidence of not interested in helping. “We stll managed to keep up payments but my family suffered.” I really did not intend making any complaints to the RBS after the PPI scandal but as I have said the pathetic attempt to elicit another paltry amount from my family really does make me angry. The misery that your rotten institution has caused my family over the years does not bear thinking about. We do realise that we must take some of the blame but your bank as far as we are concerned should accept responsibility where due for its irresponsible lending. I would like all my charges and interest paid for charges returned, to put me in a position to which I would be if I had not paid them. I Have all paperwork and statements to prove any claims which I have made. I await your response and I shall be contacting the Ombudsman if not satisfied. Xxxxxxxx xxxxxxxxx Thanks for your help

Hi everyone, this is my first post. Basically last year I went overdrawn by a small amount on my rbs current account. Rbs then preceded to charge me £6 a day till I got my wages. This amounted to charges of just over £100. I had enough money to cover my bills but not pay the charges so I incurred further charges. Every month I have enough money in my account to cover my dd but the charge from rbs puts me over my limit so they're charging me every month because their charges are putting me over my limit. (hope that makes sense). So this is a vicious cycle every month and I can't get out of it. surely this isn't right? They're saying the charges are because I've made a transaction to put me over my limit but it isn't my transaction its theirs. What can I do about this? Can I claim the charges back? It's over £100 every month. Thanks

Hi everyone, Got my myself into some mess with payday lenders, called RBS a month or 2 back to ask them to stop authorizing these payments as i am disputing the loans with the lenders, but they've still carried on, even though i don't have an overdraft i'm now -£46, which isn't loads but as i'm now claiming job seekers allowance this will barely cover that. RBS allowed 3 payments to be taken from my account on Friday 30th November totalling £135 (£60, £37.90, £37.90), so now i have no money i've got to find a way to live without food for the next 2 weeks. These banks and loans sharks shoot themselves in the foot, if i've got money to pay them what i owe i will but when i have to borrow money elsewhere to survive these lot are the last of my worries. Any help please, i've got a visa debit card and was told i can charge back the money is it possible? Thanks

Hardly surprising given aftermath that recent computer problems have seen by 3 banks. http://www.bbc.co.uk/news/world-19929376

on 16 July 2012 i used my RBS Visa Debit card at LateRooms.com to book and pay for a hotel room for someone. on 4 September 2012 a £300 charge appeared on my bank statement that i did not recognise. when i asked the RBS Visa department about the charge they told me to contact the hotel. clearly LateRooms.com must have not only kept my card details, including the CVV code, but they must also have passed all of the details to the hotel. isn't storing a cards CVV number against he rules? can companies really "share" card details in this way without fear of recourse?

Hi, I run a limited company and suffered some financial difficulties within the last three years which meant our bank Natwest (RBS) piled loads of banking charges onto our account meaning our overdraft was used and we could not get out of it. At the beginning of 2011 they decided that they wanted there overdraft back and it meant we had to pay up in full (£10,000) or face a default judgement (ccj). We couldnt afford this and ended up with a ccj on Oct 2011. Natwest wouldnt reduce our overdraft gradually nor allow us to pay over a period of time. This ccj was passed to me directly as I was the guarantor for the overdraft. We are / were let down by the reccession and RBS losing money and pulling back their credit facilities. This ccj has caused us many problems and has caused us much financial restraint affecting our earning potential and has put our business in serious trouble financially. We know we were not great before having to use our overdraft but they have not helped us during difficult times. Do we have a potential case against Natwest for unfair charging and not trying to help us as a business after 10 loyal years with them??? We urgently require help in recovering our losses and charges paid. Is there anyway of getting the CCJ overturned 9/10 months in? We are paying monthly repayments, but are nominal due to our hardship. We have been charged £8,500 in bank charges over the last couple of years which made our overdraft always active. We are still trading but for how long im not sure. Even without the Ltd company I still have the ccj personally. All advice and leads greatfully received. Are there any legal avenues we could try? Thank You in Advance

Following on from the recent banking disaster at the Royal Bank of Scotland.... Many customers who like me could not get at our money for several days I found the bank guilty of an even greater MESS UP which i am far from happy about. Infact i am totaly disgusteed. I went into my branch and asked if i could draw my pension out, as it was a regular payment As i had waited several days for it. I was told yes ok its ok to draw and i was given my money even then it wasnt showing up in my account. TODAY I HAVE CHECKED MY STATEMENT AND THE BANK HAS CHARGED ME £6.00 OVERDRAFT FEES. I was not told at the time i would suffer charges. Having called my branch today I was told Oh a letter or something has gone out. explaining about this error not to me it didnt and you will be geting the money back shortly, we are trying our best to sort the problem out right now.not a single apology or any time scale involvedIsnt it so strange. that a bank could not put money in an account or let you draw it at an ATM But the part of the system that makes the charges is working ok STRANGE VERY STRANGE INDEED . I HAVE NOT HAD ANY CONFIDENCE IN THE BANKS FOR YEARS THIS IS ANOTHER ACT TO JUSTIFY MY THINKING . RBS YOUR SYSTEM STINKS AND YOUR CUSTOMER CARE IS NO BETTER. ITS ABOUT TIME THE BANKS ARE TAKEN OVER AND NATIONALISED

IMG.pdf Hi Guys, here is the Tesco CCA: Not sure how this works, so if not successful at this attempt, will try again, hope I have done this correctly?.

hi, i have an rbs account and over the last week i know they have had trouble and accept it to a point! i have today check my account to find myself 473 overdrawn!! i recalled all direct debits as we are still waiting for money to clear! they told me today they can not recall them as they left over the weekend and they are paid ! i told them that not my fault that funds are not clear and that they had a system failure! ive demanded my money back as im due my housing benefit tomorrow and that will be credited but will just clear the unauthorised overdraft im so ancry as a family of 6 and no money for a week this is not on i want to go for compensation for hardship that we have suffered ! i think all customers should get compensation for this mess!! i dont care that big man wants his money for his big fancy house it effect the people that need it for a living and to survive!

Morning all, I'm wondering if anyone can give me some advice please? I had a Bank of Scotland credit card that I defaulted payments on. Bank of Scotland obtained a ccj, followed by an attachment of earnings order. The attachment of earnings order states "the defendants employer must deduct £250 per month from the defendants earnings until £11,589.28 has been paid" I have now paid this, but Bank of Scotland want another £750 in fees for obtaining the ccj and order. Are they right in requesting this, or should it have been included in the order?

Two years ago I had to disengage from an RBS cr card claim owing to family sickness and a move of home. Before I did, some bright spark at RBS decided to contest the fact that I could even raise a claim at all, having signed a 'full and final' statement for an earlier claim. He reckoned that that one statement covered ALL past and future claims. C******s of course. Now - I do recall that there WAS a thread, some years back, which dealt with f&f in depth; and very complicated it was. However I do recall that what officialdom saw as f&f was FAR removed from how CAG saw it. I'm going for this one anyway but it would be of enormous assistance if anyone could point me in the right direction on the forum for f&f information. Ken

Just opened an account this past week with RBS and got my information through yesterday. Will my account be credit checked when moving over?

My other half took out a loan, no ppi, but charges which he successfully claimed back. Due to being unemployed for a while he defaulted on the loan and came to an arrangement to pay the loan back. After 6 years the loan disappeared from his credit file. He is continuing to pay each month without fail but since the loan disappeared from his credit file Blair O.S. have gotten really shirty. First they sent a letter saying something along the lines that despite asking over and over for the whole balance to be repaid he had not done so and if he did not repay the whole of the balance within a week that people would call round etc. Having looked around the site seemed to be a standard letter. He had not had anyone asking for the whole amount ever. Having looked more closely at the letter and tried to match up with his own records he cannot work out the discrepancy between what he thinks he owes and what Blair say he owes. He has sent off a S.A.R. with the £10 (had to borrow from his mum) in order to get a full picture of what has happened. He told them he didn't recognise the account and until he recieved the statements etc the account would be in dispute. He has no intention of stopping payments to them but would like to know that the balance that he is knocking off his monthly payments from is the same balance from which Blair have. This was followed by a call from Blair which he couldn't answer or reply to because he was out, then a letter saying papers were being put together for court action. Can they do anything if he has never missed a payment, he has continued to pay on time each month and the actual loan has disappeared from his credit file.

So I applied for RBS online and was offered Basic & Select Silver, then I went into the branch (applicaiton couldn't be verified online). I ended up having to do the applicaiton again and I was offered Basic + Select Silver + Roylities Gold. I was told that as the computer was showing these accounts I was able to have then and any final checks had been done. I obviously didn't go for the basic, the lady was supprised that with Natwest I could only get basic if RBS were offering the others. I proceeded to have my passport copied, and my sort code & account number given to me. I am now worried that my account will be closed, card and info details are on their way to me. Some people mentioned credit restricted accounts and could I have one of these? I'm only using this account to pay my bills so don't mind if it is.

I have a question and thought I would bring it to the forum. I have an account with RBS and changed address. I went to my local branch and changed the address and received a letter from them at the new address. I wasn't using the account and there were no funds in the account and never noticed that I wasn't receiving statements. I received a call from Wescot saying there was a balance of £400 on the account and it needed payment. They could not tell me what the debt was for and they address that had was my old address. I told them that I had not received a statement and they told me it is my responsibility to ensure I was receiving statements. They advised me all statements had been sent to my old address and therefore I had no knowledge that the account had gone into arrears. I was 19 at the time and left the country working on the cruise ships and have recently returned to the UK. Being young, I didn't realise the effect this would have on my credit file and left the country without it being resolved. I got a copy of my credit report and have seen that there is a default registered from them. My questions are: 1) who is responsible for the fact they sent statements to the wrong address even though I notified them. (the default is registered at the new address I provided them) 2) What about the notice of default. 3) what do you think I should do about the charges. I wrote to them earlier today outlining all the points I mentioned here. I understand I was stupid to leave the debt but I would like to fix it now. Any thoughts greatly appreciated!!

Hi everyone, I would like some advice please. Basically I have a dispute with RBS/THINK BANKING/GREGORY PENNINGTON In short, I had a bank account with Think banking, all of my direct debits went out of that account. In august 2011 i got married and me and my wife set up a joint account with lloyds. I signed a form with lloyds so that they could transfer all of the direct debits over from my think banking account to my new lloyds account. In the meantime I have moved to live in Dubai. All of my direct debits got transferred over fine to my new lloyds account except for one direct debit, which was for Gregory Pennington. For those that dont know they are a debt management company and they were therefore consolidating all of my debts ie credit cards etc. Because the direct debit to them did not get transferred correctly to my new account, they were not paid, and therefore neither were my credit cards, in which the creditors of my credit cards (MBNA AND FIRST DIRECT) have issued me with defaults for the next 6 years! Once i realised that the direct debit to gregory pennington had not been paid it was too late and defaults had already been made. I contacted my creditors and arranged direct payment with them from now on instead of going through gregory pennington. I have tried to find out how the gregory pennington direct debit did not get transferred correctly to my new lloyds account as all of my other direct debits got transferred fine. I therefore emailed the ceo of lloyds and requested an explanation in which they have responded in detail and they are not to blame, the did as requested however when lloyds sent the notification to think banking for the direct debit details, think banking took there time to get back to them, then when lloyds attempted to setup the gregory pennington direct debit, gregory pennington cancelled the request! RBS, THINK BANKING AND GREGORY PENNINGTON are part of the same group, now this is where i find it very dodgy. Think banking managed to transfer over all of my direct debits to my new bank account, however they were unable to transfer over the one direct debit that has something to do with them (gregory pennington). Think bankings argument is that it is my responsibility to ensure there was enough funds in my old think banking account to cover any direct debits whilst the transfer was taking place. Which i guess is fair enough, but my point it, if gregory pennington had not cancelled the direct debit request from lloyds, the payment would of been setup, fair enough the payment to my creditors would of been late however no default would have been issued for a payment that was a few days late! I have requested that thinkbanking/gregorypennington/rbs contact MBNA and FIRST DIRECT to request that they remove the defaults due to their error, however their response was: We appreciate your strength of feeling and annoyance on these matters; and note your request for us to contact your creditors in order to remove the defaults from your credit file. However, whilst Gregory Pennington (GP) was assisted you in negotiating with your creditors to pay reduced payments and potentially freeze interest and charges through the Debt Management Programme (DMP), the credit remains your responsibility; and, as such creditors will only deal with you and only they can amend this information for you. It is therefore not a question of us being unwilling; we simply are not in a position to do this for you. Can someone let me know if this is true? The also offered me £100 in compensation for poor service etc, however I have been emailing these guys back and forth for days, over 20 emails have been sent to them. And I have been dealing with top management. I do honestly believe that they are the ones that made the error. £100 is a ridiculous about of compensation for the time and stress this has caused, and plus now I have 2 defaults for 6 years on my credit file because of them! Therefore they put: You have confirmed you do not feel £100 reflects the time you have taken in emailing both RBS and Think Money in order to resolve your complaint or the stress and inconvenience caused. We are sorry that you feel you have had to take the time to correspond with us via email, however, we believe that restriction to this method of communication (at your request) has been a factor in this matter. We therefore invite you to advise what you feel would be an amicable offer in order for us to resolve your complaint. What do you think I should respond to this? I know this is a very long post, however I really would appreciate your help on this matter. Thanks

Over the last 12 months I have had a total of £1008 worth of charges refunded by RBS along with compensation for the distress that this has caused me. I have also forced them to amend my credit file with all the major agencies in order to reflect the true picture of my finances, as they were reporting my "overdraft" to them. In August of 2011 I visited my branch in order to amend my address. At the time I had a Select Silver account with the bank which I had hardly used on a regular basis. I was persuaded to upgrade this to a Royalties Gold account, as the benefits of this account were more suited to my needs. The RBS failed to update my address properly and I did not receive any correspondence from them at all for a number of weeks. When I queried this again I was told that my address held on file by the bank was my actual branch address and that I would need to visit my branch again to amend my address. I did this on a further two occasions in December and January until I finally managed to get my address changed. I had happily paid the £12.95 monthly fee but forgot to transfer money into the account in September to cover this monthly charge. This made my account overdrawn by £8.13 and I was charged at a daily rate of £6 for this unauthorised overdraft. As I hadn't received any notification of these charges and was not an online banking customer, I was unaware that a debt of £968 had built up because of these daily charges. I contacted EQUIFAX to request access to my credit file, which is another benefit of the account package, I was basically accused of fraud because I had my address down as my branch address. They refused to deal with me any further until I had completed their identity verification procedure, which I duly did. It was only then that I saw the RBS had reported this debt to them and by registering my address as their branch they had caused a CIFAS flag to be placed on my credit file. I contacted and raised a complaint about this with them, which was resolved almost immediately and with minimal effort on my part. However, I was still left with a debt of almost a thousand pounds through no real fault of my own. I then received a flurry of letters and telephone calls from RBS demanding that I pay these charges or they would refer my account to a debt collection agency. My account had already been passed to their collections team in Birmingham who had put a stop on my debit card and cancelled my cheque book without even contacting me, even though they had my mobile phone number on record throughout this whole period. I contacted RBS again as soon as the first letter arrived and spoke to a very apologetic advisor who agreed that it seemed a little unfair that this level of charges had been applied to the account through no fault of my own. He then offered to reduce the amount to £480 as a "gesture of goodwill". I refused to accept this and raised a complaint with the customer service team. I waited over a week then called again, as I had received no reply to my complaint. I spoke again to the collections team and reminded them that they have a duty to treat their customers fairly under BCOBS. I stated clearly that there was nothing in the terms and conditions that I had agreed to which allowed them to treat their own charges as unauthorised borrowing and by doing so they were being unfair in their favour by allowing a debt of £968 to build up. I put all of this in writing to them and received a phone call within 3 days saying that they would be refunding the total amount of charges along with a payment of £40 as compensation for their error, re-instating my debit card facility and sending a new cheque book out in the post. However, to date despite 12 requests and 3 complaints I am still to receive my Royalties Gold welcome pack, detailing my membership benefits in full but I suppose this is a minor issue in relation to the issue I have described above. I feel personally that this is nothing short of attempted theft by RBS and am sure that many unwitting customers have simply accepted the charges and paid up in full to clear their debt and credit file. I also feel that this is extremely poor administration by RBS over a simple issue that they could have resolved quite easily. I believe that they tried to take advantage of the situation on my account and acted irresponsibly by allowing such a debt to build up without contacting me. I would urge other users to fight this issue vigorously to stop this bank from using their customers to recoup their losses or shore up their £2bn in profits!

Help, i am trying to claim back PPI from Lombard Direct and have sent a SAR request to RBS they have now responded by telling me I need to apply for this from Idem Servicing, anyone know why as i don't understand why this company would have all logs and correnspondence relating to my account. The reason for this is the ombudsman couldn't help but did advise in a telephone call to hand the whole mess to a lawyer and i believe that i can prove that RBS sent my account for legal action without actually asking Payplan for extra money until a month before i had a summons served. Longwinded dispute and now 3 years after court action i have been paying each month but still seem to owe the same amount? Ironic thing is PPI being redunded would wipe the debt out.

Hi, Not sure if this is the correct forum to post in, so sorry if it is. I have existing loan, credit card and overdraft with RBS and I am looking for a way to to consolidate that debt into one monthly payment. The problem however is that my credit report is poor at the moment (I have a default from Vodafone that I am currently in the process of removing) and RBS won't allow me to refinance my existing loan. I'm trying to find a reason why RBS won't refinance but they keep saying it's my credit rating, which is fair enough, but they can see that I am currently up to date on my current loan/credit card so why won't they consolidate my debt, they will still get their money! Anyone have any advice? It would be greatly appreciated.

I'm just beginning to pursue RBS on the question of levying charges on charges. I would find it very useful (given that this appears to be a new area of offence) to be able to send a copy to Bankfodder to make sure I haven't grasped the wrong end of any stick but don't know a. whether he is already overburdened or b. how to contact him since past experience shows a full mailbag. Any help would be gratefully received