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rizel23

RBS Bank Account Quiery

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I opened a student account with them 4 years ago with a 2K overdraft, this was interest free then moved to a graduate account. I was out of a job after Uni and ill and could not have worked even if i had found one. I started paying back the over draft at what i could afford (£35 a month) and have got it down to £1800, now the account has changed into a standard account and interest has gone from £6 a month to £29 so of my payments £6 will reduce the balance :-(

 

Is there anything i can request to see what terms and conditions i signed up for as i can't find my original paper work.

 

I have written to RBS with my concerns about the high amount of interest rise and they basically told me it was what i signed upto. Thanks

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Well they would say that wouldn't they,

Have you asked the bank for a copy of the terms and conditions applicable to the account at the time of opening?

You could always send a SAR to RBS, it cost £10 , but they have to supply all the data they hold on, but wether this would include the terms and conditions I don't know.

 

A CCA request would not be applicable as it is not a credit agreement as such , but an over draft.

 

I would wait and see what others have to say, but I see no reason why you can't ask to see a copy of what they are saying you signed up to

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You could always send a

SAR
link3.gif
to RBS, it cost £10 , but they have to supply all the data they hold on, but wether this would include the terms and conditions
link3.gif
I don't know.

 

Send the SAR to RBS data controller

Joyce E Tudor

Regulatory Risk

Business House B

PO Box 1000

Edinburgh

EH12 1HQ

 

Ask for all documents , inparticular request a copy of your overdraft agreement.

 

Which department responded to your initial request ?

 

Debs

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Thanks for the replies, just had time to follow this up.

 

I had a reply from Alasdair Stewart, Senior Business Associate, Tay House Glasgow.

 

I shall reply to him requesting this is now a formal compliant until I see the overdraft agreement i signed up-to along with the original T&Cs and include £10 cheque and the SAR Request, does that sound about right? thanks

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