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RBOS CLosed my account!!


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I had a problem with paypal in march this year where they tried 5 times to take direct debit amounts less than £20 in one month from my RBOS Key account. This account was only for use with my ebay selling things so very rarely had money in it. I usually sold on Ebay and kept cash in my paypal account until I had a good amount to withdraw and then did so to this RBOS account. I saw some things in america that I wanted to buy and did so using funds in my paypal account. That was fine but Paypal made an error and tried to take this money by direct debit from my account(something I had never signed up to).

 

RBOS hit me with £190 worth of charges and again the same the following month. Paypal conducted an investigation for me and concluded that they had made an error but wouldnt be responsible for the bank charges.

 

I called the RBOS and told them what had happened and forwarded email proof of the Paypal investigation showing that i wasnt at fault. They refused to budge and said that I owed them £380!!!

 

I refused to pay it but said that I would give a goodwill gesture of £100 if they would scrap the other £280, they still wouldnt budge. I received a letter from their collections centre last month for this money and I blew my fuse. I contacted the cheif exec and demanded that they sort it out. I used the form o here for reclaiming unfair bank charges and they sent me a letter telling me that my account was now closed and no further action would be taken!! Cheeky bastards!! They are behaving as though I should be grateful to them. They sent me a cheque for £8.27 which was the balance of my account and have now frozen my fiances student account and demanded repayment of his overdraft £2000.00!! They say they have a right to do this as he was an account holder with me on the key account and that because we didnt agree to their charges then he could no longer have his current account there!!

 

Thankfully Clydesdale bank have given him a new student account as he went in and explained all that had happened so at least he has something to fall back on.

 

I have just today posted a complaint to the cheif exec about this treatment and i'm posting here to let everyone see how these institutions try to bully us.

Its my money and I'm making sure I get it back.:razz:

25/09/06 Letter from Robert Udy saying tough, sue us!

14/09/06 letter from cap 1 robert udy offering difference of £8 per charge. sent LBA and refusal back

14/09/06 letter from halifax returning £10 cheque but still going to send me my statements!!

cap one LBA sent 29/08/06 £360

Halifax Data Protection Act sent 29/08/06

 

There will be a 10% donation to this site when I win.

If it wasnt for you then none of us would have anything back

 

 

www.consumeractiongroup.co.uk free forum with advice and templates for reclaiming bank charges

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Guest BlueRuby

:o What a terrible story. However, it sounds as if you are on top of things? You are going to claim the charges back, aren't you? Hit them where it hurts ;)

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evil! now it's time to get even! start the process and see how much they owe you.

BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest

1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest

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They did refund their ridiculous charges back to the key account before closing it and sending me a cheque for £8. (balance of my account!) The cheque however is made payable to me and my boyfriend and when I took it to RBOS to cash it, they said it was only able to be lodged into a joint account.

 

Irony meters werent working yesterday given that they had closed our joint acount and I was standing with my passport as id and only wanted the £8 cheque cashed!!

 

CHeque was issued by the manager from the suspended account fund!

 

I dont have to pay them anything regarding the initial charges and would have taken them all the way if they had insisted on it.

 

I did write to the daily mail financial section and cc'd all my correspondance to them, I think that is why they settled so quickly.

 

Scott is on a mission now over his student account closure and although he was never going to bother claiming back any of his charges over the past few years, his mind has been changed by their attitude and he is like a dog with a bone now.

Its my money and I'm making sure I get it back.:razz:

25/09/06 Letter from Robert Udy saying tough, sue us!

14/09/06 letter from cap 1 robert udy offering difference of £8 per charge. sent LBA and refusal back

14/09/06 letter from halifax returning £10 cheque but still going to send me my statements!!

cap one LBA sent 29/08/06 £360

Halifax Data Protection Act sent 29/08/06

 

There will be a 10% donation to this site when I win.

If it wasnt for you then none of us would have anything back

 

 

www.consumeractiongroup.co.uk free forum with advice and templates for reclaiming bank charges

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Good for him. It's absolutely monstrous the way they behaved!

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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