Jump to content

Some advice from RBS experts, please

Recommended Posts

Last year I successfully won my battle against Barclays and had all my claim returned.

I changed banks to RBS and started afresh. It hasn't gone too badly but after just over a year i still can't quite get my head around the way they deal with their banking days as in when payments go in and out (at the end of the banking day not the start as Barclays did).

Anyway, to the point. I have had one or two charges because of the way they carry out their payment system but would love some advice on one I feel very strongly about.

Just before Christmas last year a DD went out which took us over our overdraft. I paid money in on the day but because I neglected to tell them that I had paid money in to cover the DD, they returned it and charged me £38.00. Unwillingly, I accepted the charge feeling I was to blame but the charge incurred was more than the original DD they returned so it took our account still over the overdraft by a couple £'s.

The next morning wages went in to the account and then in January I found we had been charged a further £28 for going over the overdraft.

I contacted my local branch and tried to explain the situation to them but they said I would have to write to head office. I did this and explained that they had basically charged me twice for the same thing and that I felt it was unreasonable (Barclays never did that!). I had not heard anything at all back from head office and when I asked in my local branch the other day they said that RBS were not dealing with any claims whilst the appeal was going through.

I explained that mine was more of a problem with the 2 charges for the same thing but they said it did not matter anything to do with bank charges was not being looked at at the moment. I haven't even received a polite letter back explaining this.

Can anyone out there tell me if they are right to charge me for returning a DD which then takes me a couple of £ over my overdraft overnight and then charge me another £28 for that? It was them that did it in the first place. It means I have been charged £66 for a £30 DD not going out. I would accept one charge but two?

Any advice appreciated.

Share this post

Link to post
Share on other sites

They still have to look at your complaint - it's only the legal process which has been stayed.


Your complaint is about the process and being charged twice so I would write to head office, instigating their complaints procedure.

Share this post

Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 19 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...