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Creditcardmug v RBS

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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?

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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







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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?

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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.






  • Haha 1

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Update sent this today for starters


June 12th 2008


Royal Bank of Scotland

Collections Centre

Tay House, 5th floor

Bath Street


G2 4RS






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

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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.

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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.

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

all help appreciated.



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