Jump to content
creditcardmug

Creditcardmug v RBS

Recommended Posts

Hi all, is there a step by step guide to reclaiming bank charges, as i haven't done this before.

Also i have not used my account since last october when there was a small positive balance left on it, however RBS added an overdrawn fee and have been adding charges/interest ever since, acc is now 270 overdrawn, just had a letter, they will default me if i don't pay in 7 days.

Any advice?

Share this post


Link to post
Share on other sites

Hi

 

First step is send your sar requesting your data, once you have sent this off you can then send a letter of account in dispute ;)

 

Example Step-By-Step Instructions - Now updated to reflect the OFT court judgement

 

 

Guide To Reclaiming Bank Charges - April 2008 - draft

 

 

http://www.consumeractiongroup.co.uk...s-library/516-

 

 

Tilly

Share this post


Link to post
Share on other sites

Thanks tilly, a lot of reading to be done there, do you think i should write a separate letter re this latest matter, or just ignore and include it in the 6 year claim?

Share this post


Link to post
Share on other sites

Hi

 

Send of your sar asap, including a £10.00 cheque and send it recorded delivery that way you can check if it has been delivered and have proof of postage, give it time to arrive and then send the account in dispute letter.Always keep copies for your self.

 

Account_in_Dispute

 

 

Tilly

  • Haha 1

Share this post


Link to post
Share on other sites

Update sent this today for starters

 

June 12th 2008

 

Royal Bank of Scotland

Collections Centre

Tay House, 5th floor

Bath Street

Glasgow

G2 4RS

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

FORMAL COMPLAINT

 

Dear Sir/Madam

 

Your ref:

 

 

Dear Sir/Madam

 

I refer to your letter of 6/6/08 , in which you ask me to call you. I did call on the number given, however your system won’t allow me to speak to anyone, a waste of a phone call and my money.

 

The overdraft on the account is made up purely of charges and interest thereon.

If you look back through the statements you will see that immediately before the first charge was added there was a small positive balance. There have been no transactions since that time.

 

In view of the above please be advised that I have no intention of paying anything in this matter, and would now look to you to remove these charges to resolve the issue.

 

For your information, I intend shortly to begin the process of reclaiming unlawful charges you have levied against me during the past 6 years.

 

In view of all of the above I suggest you refrain from issuing any notices at this time.

 

I look forward to your proposals for resolving this.

 

Yours Faithfully

Share this post


Link to post
Share on other sites

Update, letter today from RBS, removing all charges and interest and closing the account.

So one battle won, now on to reclaim my unfair charges for the last 6 years.

Share this post


Link to post
Share on other sites

I would consider looking at your credit file to see if they did default you.

 

If they did its a relatively easy issue to remove it, as the penalty charges they added were the reason for the default.

Share this post


Link to post
Share on other sites

Hi again have added up all my charges for the last 6 years £586, where do i go from here?

all help appreciated.

 

CCM

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.

Guest
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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      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...