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RBS have withdrawn my overdraft without warning

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I went to the cash machine for a mini statement today to check if a cheque had cleared, only to find that my available balance said NIL.

 

When I enquired about it in the branch, I was told that when I first got the overdraft as a student several years ago, an expiry date had been placed on the overdraft and their central office had now applied this.

I was told that I would have to appeal and reapply for the overdraft and as I now get my wages paid elsewhere, i would need to provide payslips which I will do tomorrow.

 

My question really is, given my credit file isn't good at the moment (I have a CCJ and a default from 3 years ago, plus electoral roll address accuracy problems) are they likely to reinstate the overdraft or will they just attempt to ride me for bank charges?

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I went to the cash machine for a mini statement today to check if a cheque had cleared, only to find that my available balance said NIL.

 

When I enquired about it in the branch, I was told that when I first got the overdraft as a student several years ago, an expiry date had been placed on the overdraft and their central office had now applied this.

I was told that I would have to appeal and reapply for the overdraft and as I now get my wages paid elsewhere, i would need to provide payslips which I will do tomorrow.

 

My question really is, given my credit file isn't good at the moment (I have a CCJ and a default from 3 years ago, plus electoral roll address accuracy problems) are they likely to reinstate the overdraft or will they just attempt to ride me for bank charges?

It is unlikely(in relation to your question re riding you) but do you pay into the account regularly?


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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It is unlikely(in relation to your question re riding you) but do you pay into the account regularly?

 

Yep, I get my child benefit paid in to the account 4 weekly.

 

I'm just having nightmares here that involve an overdraft I'll never be able to clear with tons of charges being added every month.

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Yep, I get my child benefit paid in to the account 4 weekly.

 

I'm just having nightmares here that involve an overdraft I'll never be able to clear with tons of charges being added every month.

I wouldn't and if need be argue that the bank made an error putting an end date on the overdraft since normally it would be until further notice even on student accounts.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I got it changed from a student account when I started working anyway so I thought the overdraft would just run until paid off, but according to them RBS always put an overdraft expiry date on with student accounts.

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I got it changed from a student account when I started working anyway so I thought the overdraft would just run until paid off, but according to them RBS always put an overdraft expiry date on with student accounts.

Hmm, they mean graduate account and that isn't the case usually since the overdraft(interest free bit) SHOULD decreas over time.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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