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Just about to take on RBS for bank charges applied to my account over the past three years. Up until this point I have been a satisfied customer (since 1988) and have recommended RBS to anyone that asked my advice.


I understand that in most cases where people get into difficult positions all banks act in the same/similar manner - as this is how they make most of their money, off the people who are financially destitute or struggling.


I have been going through a difficult time and have a number of credit cards that are maxed out - in communicatig with all of my creditors I have found most of them to be more responsive and eager to reach a resolution. The bank that I have had the longest relationship stopped being 'helpful' when I refused their offers of loans - indeed they became very aggressive in the manner that they handled my current account.


I have more or less cut off my financial relationship with them, but (possibly out of spite and vindictiveness) am extremely motivated to ensure that I get back money that have unfairly charged to my account.


The unpaid DD charges only started last month and all future DD's have been cancelled. However I have been regularly charged a £28 monthly maintenance charge for going over my OD limit (this is on top of the service charge which I pay to have a Royalties account) and have a number (approx 20-25, still collating) of instances where they have charged me for 'referral fees'.


Once my intial letter is prepared I will let you know how I get on.





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Just worked total charges applied to my account over the last three years = £2200+. I am about to start composing my letter being realistic that this is likely to take 3-4 months to get going.

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good for you bigdaddy, I was surprised how quickly all went by ..... and I file my claim in court today .....


sometimes it gets scary, but a visit on here and a deep breath and everything becomes calm again


keep us posted on your progress



I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.


HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06


HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06


HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06

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