Help Needed for RBOS

[deemacperth]

Quick question about the makeup of charges on RBOS statements, I'm doing my girlfriends claim for her and I'm slightly puzzled.

 

I've got Referral Charge and Unpaid item's and they're fairly straightforward, but nearly every month there's an entry that goes something like

 

CHG TO 15JUL A/C XXXXXXXXX 25.00 31JUL

another one being

 

CHG TO 02APR A/C XXXXXXXX 5.00 18APR

 

Now I'm thinking this is the interest they're debiting, is this correct?

[deemacperth]

Great help you RBS lot, snowed under with answers.

 

Seriously though, I think I've worked it out incase anyone else asks. It seems the £5 charge seems to be an account charge of some type, it gets charged monthly when the account is in credit. The £25 one seems to be an overdraft charge as every time she has been overdrawn she gets the £25 instead of the £5 one. So I'm sticking the £25 charges down, but not the £5 charges as that seems to be a service.

[HadEnough]

is the account just an ordinary current or something like a gold account?

if it's a gold or wotnot you can't claim it back

 

also i'd give more time for answers during the week/day as theres not a lot of mods on at these times:)

[davefirewalker]

WHAT ACCOUNT HAVE YOU GOT?

 

The £5 looks like a service charge of some sort

when you get charged £25 I would only claim the £20 portion of it

 

I have a royalties premier account and the "service charge" is £15 when I go overdrawn I get charged £35 (15+20)

 

hope this helps

 

Dave

[bigdaddy]

As said in previous email - your girlffreind is being charged a monthly fee, which is standrd minimum amount for the maintenance of the type of account she has.

 

However, this fee goes up when the bank adds 'maintenance charges' for going over her agreed overdraft limit.

 

Apparently, looking at info on this forum, she can claim for the maintenance charge they apply but not the fee agreed to when she opened/upgraded her account.

 

By way of example: I have a Royalites Gold Account - I pay £12 pm in fees to have that type of account (feel like a muppet, what a waste of money), but if I go over my od limit they apply an extra £28 charge. When they send the monthly statement a seperate sheet is enclosed that notifies me what my charges are comprised off, but on my statement if appear as a charge of £40.

 

For more info on RBS charges see goodsamaritan's threads - exteremely useful info.

 

Good luck - I am about to start my war of attrition with RBS as well.

BigDaddy

[deemacperth]

'Allo. Thread was posted tounge in cheek HadEnough.

 

Cheers for the replies guys. Yeah realised that RBS charge for an account, so had a look at the website and then everytime it wasn't that figure, just added that figure into it.

 

Can't believe they charge you for the account AND for defaults.

[MARTIN3030]

The 5.00 sounds like a service charge.......they did a royalties gold account and took a fiver for that.

In 2001 they charged 20.00 for unauthorised overdafts this went to 25.00 in 2002......and presumably went much higher after that.