RBS A/C while on benefits.

[KittyClaws858]

Hi there,

 

After reading through a lot of the information on this website (thanks btw) I have been wondering if its worth taking up a claim with RBS.

 

I have had my account since I was 16 (im 23 now). I checked all my charges between opening the account and when I had my first child (and started getting benefits as a single parent) and the level of charges for unarranged overdraft is negligable. £10 here or there for instance once a year maybe when i didnt have an arranged overdraft at all. However, after I started getting benefits etc.....and had my child, I was in hardship and went through quite a lot of charges between then (2004) and now. From going from £0 overdraft to £1800 almost maxed out overdraft.

 

I've been in receipt of benefits this whole time and some of these charges have brought me the situation where my benefits JUST cover the charges in order to bring me back within the limit, meaning effectively I have NO money to live on or sometimes needing to contact my dad to transfere money in to avoid a charge OR ive been in the situation were TWO benefit payements have been needed to get me out the (deep) red.

 

At no point did anyone at the bank, while they have refunded a few charges for me, say...wait a minute, we cant actually charge you because you are on benefits......

 

 

Anyone know if i should do it? What grounds? the benefit/hardship thing? is there templates specifiically for this? where do i send them? DO YOU think ill get the money back??

 

ps, i was getting student support paid in for a while with my benefits but i was even MORE skint at this point so .... would they say on your bike hen?

 

 

Thanks everyone in advance

 

Alanna XXXX

[KittyClaws858]

also, wht is the 'overdraft interest' for the sum they have taken RE: the template says. they are charging me a fotune in interest on my overdraft every month. can i claim that back? or is it just the interest accrued on the amount they have charged me in charges so far.

 

sorry if that makes no sense i have not been to bed im so strangled with all this debt!

[sea-sidelady]

Have you started the process of reclaiming the charges? Here is a list of the charges you can claim

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/92004-charges-can-claimed.html#post867497

 

There is a letter you can send when you know a charge is due out of your benefit...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

Send it in plenty of time. If they still take it (most times they do) you can report them to the FOS.

 

Here is the letter to send if your claiming hardship. You also need to fill in the spreadsheet for income and expenditure.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/154154-hardship-stayed-claims.html#post1640904

[KittyClaws858]

WOw thank you for that. i will start the ball rolling on the reclaiming. I cant bellieve that these people have been taking charges from me when the only money that gets paid into my account is benefits and basically leaving me with £10 for a whole week. i agree people should pay thier debt but this is wrong.