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    • I don't understand the bit about looking after your own being criminal, TJ. Could you expand on that please?
    • A somewhat good result. After more chasing, they've sent me a spreadsheet of the accounts for fire protection, water charges and electric.  Communal Electricity - Estimated £45.00, Actual £241.73 - Revised: £41.63 Communal Water - Estimated £3.66, Actual £234.91 - Revised: £76.96 Fire Protection - Estimated £2.08, Actual £147.65 - Revised: £51.15 Still it seems too high, the total for this estate alone for water charges came to £62,950.07 last year. The thing is, they've listed blocks that don't seem to exist on our estate. Possibly from the new development that has only just been built on the estate, which was finished in the summer this year.     
    • The largest ever amount that went into that account was £500 which was about 7 months before it was blocked.    There was no going forward income as the 1st lockdown came 6 weeks later and I went straight onto universal credit after that and have been on it ever since.    Bottom line, at the time it was the only account I had add and all of my savings of £16500 were in there which I had no access to after it was blocked. Tried to contact the car finance company but no one was available throughout the pandemic likewise many other companies who registered a default
    • so you got the original letter asking for your side of the story and replied by email. post up what you said in your reply by email please and their reply.   you later got a letter stating this will be heard by the simple justice proceedure at xyz court on xyz date but still inviting you comment or plea?   how many time and how many days did you use this for and WHAT EXCATLY (the bit in black) on the letter from the SJP court have you been charged with..??   one specific event on xyz date ,...with other uses being by tickboxes to be taken into consideration and wiped if you agree?   what DATE is the court hearing?
    • A more controversial point is that Johnson has made it illegal to look after your family, requiring you to choose between them.   No one I know doubts or questions that people hosting raves and such like should be prosecuted given the situation, just as those gathering for fox hunts and grouse shoots should be, but effectively making people who are simply trying to safely and sensibly look after their own into criminals while the government pals do whatever they like and are thrown taxpayer money by the BILLION for nothing is obnoxious and abhorrent, especially when you can go to a restaurant or supermarket or transport hub and be in close contact with hundreds of strangers.     Oh look - 6 + 1 in close contact from 14+ households and only one wearing a mask - leading by appallingly bad example.    
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RBS ( Bank of Scotland)

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Hope someone can help me with this one.


Business bank account with RBS however shortage of work over last few months meant no money paid in, o/d maxed out.


Kept getting computer generated letters asking for proposals for payment but when I respond with specifics I get no response other than more computer generated letters asking for proposals.


Local Business Manager washed her hands of account as soon as I could see I might need their help, passed me on to their Business Collections dept, a faceless bunch who can do nothing more than read of a screen script! Despite many written requests they wouldn't even stop charges or interest on o/d and thats what has taken the o/d beyond original limit and now I'm incurring even higher charges for 'unauthorised borrowing' !


Recently managed to secure some contract work and wrote to them to advise anticipated value, payment pattern etc and asked that they temporarily increase o/d to cover initial start up costs and that the o/d be reduced over a period of months back to original limit. They couldn't be bothered to respond.


First payment went into the account recently and they kept the lot, didn't even leave me anything to pay wages, expenses, suppliers, VAT, paye/ni........not a penny. Called their business collections dept, "sorry, we haven't received any letters or faxes, nothing we can do without these, anyway its down to you as you owe the bank the money".


This has really got me p****d off, isnt their some kind of regs or banking code that prevents them from behaving like this? This organisation, and many others no doubt, seem to think they are above the law.


Im having to rely on goodwill and support of family, etc to get me through at the moment, I feel I'm working for absolutely nothing at the minute.


Sorry if I've ranted on but my blood is still boiling, I'm probably not the first that this has happened to and I'd appreciate any helpful advice / support / comments from others.


How easy would it be to open another business bank account with another bank?.





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time to open another bank a/c!!


have a read of sequencies excellent blog in my sig.


you might also find it useful to fire off the notice of appropriation letter or alike too.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Wow, thanks for such a quick response!


I'm concerned that the letter of appropriation will fall into the same big black hole (bin?) as all my other letters, how long should I give them to respond, I wouldn't want another payment into the account to be consumed by them.


If my experience with RBS is anything to go by, it could take weeks to get another business account up & running.





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You will obv need to be looking outside the RBS group so Natwest is out of the question.

Lloyds do a foundation business account for new business but its not really advertised.

Maybe worth checking that one out.

Theres also lots of Web business accounts now which have good flexibility.

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Well, not unsurprisingly, no reply from RBS to letter of appropriation. I called local RBS Business Relationship Manager who confirmed she had received her copy and tried to get someone in their Business Collections Team for me to speak with.


After a number of unsuccessful calls on my behalf (allegedly), her only advice was that I should phone their 'team' to discuss my proosals to settle account and whether they might allow me to withdraw some of the funds that they had mis-appropriated.


She also suggested that I should arrange alternative banking facilities and when pushed on the matter, reluctantly confirmed that RBS were no longer going to provide me with a business banking facility.


I've stopped any further payments from being made while I sort out another bank account. The RBS have certainly not been 'fair' or 'sympathetic' in their dealings with me and have caused so much stress, anxiety and hardship for me and my family, they've worsened our financial situation without us spending a penny!


Any advice on what my next steps sould be would be really appreciated.




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