hi, all!!

[scottw]

Hey, everyone. I've been using an a/c with the Royal bank of scotland for the past 4 years. while I was with the Bank of Scotland(now HBOS) I was charged every month, almost - yeah, the 'snowball' effect. I recently discovered that the a/c wasn't shut down. I requested an equifax report, and was shocked to find that I owed them £920. (Later turned out they hadn't updated my file!!) I dont know how i'll get on, but I'm going to try and recover charges from them. I just found out about this today, and I'm relishing the thought of causing them as much misery as they caused me (as well as being re-united with my cash!)

 

Has anyone dealt with the Royal? I've had some charges, but I don't like the thought of them demanding my overdraft being cleared, or worse closing my account!! Any advice and tips would be welcome...

[Michael Browne]

Welcome.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Good luck

 

Finally please heed the words of warning here and make sure it doesn’t happen to you:

http://www.consumeractiongroup.co.uk/forum/abbey-bank/announcement-center-bankfodder-very-sick.html

[kydcarmen]

Start with the FAQ's section and read up on everything. Beware that they probably will close your account and ask for you overdraft back, but you will be able to find out more on the royal bank of scotland and how they react under their section.