Charges then Loan

[stupidgirl!]

Hi

 

I'm going back to 2003 so not sure if i can do anything but heres my story.

 

I had an account with RBS and when i turned 18 they gave me a £500 overdraft without any communication.

 

I used my debit card in a shop for a transaction no more than £3, but when checked a statement later on realised i didnt have the funds in my account.

Because i was able to use my card in the shop i wrongly assumed they had given me more of an overdraft with again no communication.

Boy was i wrong!!

I never used the card for more than £2 transactions as i thought well its money i would have to pay back so im not gonna take the mickey with it,

however what i didnt know was i was getting charged £30 quid every time i used it.

I got a wonderful letter telling me i had raked up over £900 in charges.

 

I made an appointment with the bank to discuss the situation and was told the only way to fix it was to take a loan out to cover the charges, which i did for £1000.

 

The money went into my account but never left it so needless to say it got spent.

 

I then had to take another loan out to cover the first loan to cover then charges.

Not sure how much the second loan was worth.

 

I paid religously every month apart from the very last payment.

 

Needless to say i had debt collectors letters etc which my DMP company are dealing with.

I do not have any information of this loan as it was so long ago.

Im not sure if PPI was on the loan either.

 

I suppose my question is do i stand anywhere in getting anything back?

 

Surely the £900 charges which started the situation are not justifiable.

 

Any advice given would be appreciated.

[dx100uk]

you say your with a DMP or is that dead now?

 

this might be a good BCOBS case

 

i'll alert this thread to see

 

dx

[dx100uk]

as for the PPI

 

have you got any paperwork?

agreements etc?

 

if not an SAR might reveal something?

 

though they might pull the 6yrs rule thus distroyed

 

dx

[stupidgirl!]

I am currently in a debt management plan and im sure that one of the creditors are a debt collection agency for the remainder of this loan. No documents for it but i suppose i could try contacting the bank.

[dx100uk]

i hope its not a fee paying DMP

if so dump them

and do it yourself

 

pers i'd also get my CRA file

and ensure all my paying debts show

 

dx

[stupidgirl!]

ok will get on to that