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Hi All

The RBS are charging me £28 every time I have a month where I exceed my overdraft limit, this is over and above the paid refferialS of £38 I,am charged can I claim the £28 back.

Also I was charged £35 for guarantying a debit card payment, but when I used the card it proceeded as normally, if there was not enough money in my account the payment would be cancelled.

Can you help.

Cheers

Steveh3

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Hi again Steve! ;)

 

You can reclaim both the £38 and the £28 penalty charges. With regards to the £35 for guaranteering a debit card payment, I have a feeling that you can't actually reclaim this - but somebody will correct me if I'm wrong! And if they guarantee that the debit card payment will go through - they guarantee it regardless of whether there are sufficient/insufficient funds in your account. It's what's commonly known as a nice little earner for them :mad:

 

Have you got all of your statements for the past 6 years? If not, make sure you send them a S A R to ensure that you can have a look at all of your statements - that way, you can attempt to reclaim all penalty charges, not just the recent ones that you're aware of.

 

If you need any help with the SAR/totting up the charges/sending off the prelim, shout up on this thread and somebody will be able to point you in the right direction.

 

Best of luck :)

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Thanks Hedgey06

I will claim for all the £28,s they have charged me, I have the last 6 years account details already and about to send the first letter.

Thanks for your help :)

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It's a pleasure ;)

 

Don't forget to include the £38 referral charges as well :)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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