RBoS are way out of order

[nevos]

Hi NWSM and Lively Happy Xmas!

 

UNPAID DD CHARGE £76.00 06/09/2006 UNPAID DD CHARGE £38.00 07/09/2006 REFERAL CHARGE £90.00 08/09/2006 CARD MISUSE CHARGE £35.00 08/09/2006 UNPAID ITEMS CHARGE £38.00 11/09/2006 UNPAID ITEMS CHARGE £38.00 14/09/2006 UNPAID ITEMS CHARGE £114.00 15/09/2006 UNPAID ITEMS CHARGE £76.00 18/09/2006 UNPAID ITEMS CHARGE £38.00 25/09/2006 UNPAID CHQ CHARGE £38.00 28/09/2006 REFERAL CHARGE £30.00 09/10/2006

 

This is an extract from spread sheet, this happened while i was working in Shanghai, they called me twice and I said twice you have an instruction to transfer from a currency account and please check with your LC department in Manchester the money should be there. The card misuse was for a £19 cheque.

 

I found a further £249 in several random amounts charged on the account over a period of years, I have not included these in my calc but, I think I need to ask them what the charges were for as there is no reason on the staements just says Charges £39- Charges £30- etc...where normally it says Royalties Charge £5-

 

I admit i have severe bad credit rating though, I am trying to get straight and operate the account in a very good way in my opinion, for RBS they make small fotunes from me converting currency and TT's but, they will probably not even bother looking at this aspect, so I feel justified after 10 years with them in requesting my charges back. Im sure they will close my account but, thats life.

 

Thank you all for your help here, keep up the good work.

[nevos]

By the way NWSM: Many years ago we made a spread sheet to check bank interest charges by Nat West, we found £4K when we told them they simply credited the account instantly with the money.

 

This was in the time when redundant bank managers were going around offering this service.

 

If i had to put a quote in my profile it would be " Gone west with NatWest"

[Guest NATTIE]

Happy christmas Nevos and the Charges listed are certainly ones you can go after. Not sure on those £39 charges but may be Unarranged Borrowing on those ones which you can claim back of course so if you need advice on the randoms then post it and we will all have a go at working them out.

[nevos]

Merry Xmas to you too! Ok, Im looking at the statements and working through it in chronological order:-

 

Got it now, the charges are over limit charges between £1.90 and £60 in various months. In 00 over limit charges were £20 which i think each one includes £5 for the Royalties a/c. 02 they went up to £25 and 04 were £33 and now £34 or £20,£28 and £29 when you take the £5 out for Roayalties. Total over limit charges for the period 08/00 to 10/06 amount to £515- I did not include these with my claim by the way.

 

Thanks again NWSM

 

PS: Wow, I just re-read your post, I can reclaim these also?

PPS: Just found another £30 referal which I missed first time around! This would knock the claim up to around £2K..

[isidore]

What I did was worked out what charges had been arranged - overdraft loanguard and royalties and deducted them from the overall charge.....much like you've said above nevos. I've put a whole post together on calculating RBS charges if this will help. You will find it my signature.

 

__________________

Stuck with RBS charges?

Click here!!

 

Settled

RBS1 £2794

RBS2 £503

Halifax Credit Card £498.14

 

Still to Settle

Barclaycard Est£180

[nevos]

Hi T4FF Merry Xmas: I did view your spread sheet and it looks interesting also read your thread.

 

Am I right in thinking that in my case where same as you I have charge £30 then £5 is my Royalties charge the balance £25 is over limit or unarranged borrowing charges are refundable?

 

If so, I guess they could be punched into a copy of the simple spread sheet in the library and the interest calculation 8% applied in the same way as one would calculate the interest on referal charges etc in the event of a court case?

[isidore]

Merry Christmas!

 

Basically.....yes!

 

EDIT: Although I would inform them in your letter that you have deducted your "arranged" charges from your calculations where appropriate.

 

__________________

If I've been help to you, click on my scales and add to my rep!

__________________

 

Stuck with RBS charges?

Click here!!

 

Settled

RBS Current Account1 £2794

RBS Current Account2 £503

HBOS Credit Card £498

 

Still to Settle

Barclaycard Est£180

[nevos]

Quickie: Yesterday: Sent RBOS an updated summary £1,418-

 

Further to my request for a refund of charges dated 15 December 2006, please find enclosed up-dated summary.

 

 

Yours faithfully,

 

[Mike1106]

Hi all, I have decided to take on RBoS, I have gone through last 12 months statements and have been charged over £1000, have sent off first letter and £10 PO requesting last 6 years statements, shudder to think (or do I ) what the total amont will be.

[nona]

Hi Mike,

You need to start your own thread, not just high jack someone else's!

Use the new thread button at the top of the page, then keep your thread updated with your progress. You will gett lots of support from other rbos claimants.

Good Luck

Nona

[nevos]

LBA sent today excluding interest. I took the template from the t/library and removed the figures part of interest but left the words in " I shall begin a claim against you for the full amount plus interest plus costs etc"

 

Im sending it right on time Xmas New Year hell or High Water, they are quick enough to collect the charges so why not.

 

I have heard nothing from them at all so on we go ....sent to:-

 

Tommy McLean

Customer Relations

Customer Central Support

First Floor

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

 

[nevos]

Hi people: Slight technical hitch if anyone can advise me:-

 

I use my RBS account as a personal account but, as Im a sole trader I often bank business into this account. Now, I sent my LBA using the standard format however, as I have not heard anything Im wondering if I made a mistake and should have used the biz LBA template.

 

Im planning now to hit them with a new schedule to show contractual interest and resend the biz LBA template with the following ammendment:-

Dear Sir/Madam,

 

 

I now understand that the regime of fees which you have been applying to my personal business account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to Statute.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would

 

If anyone has time I would appreciate it also:-

 

I calculate that you have taken £1500 plus £1000 (contractual interest)which you have charged me in overdraft interest for the sum which you have taken. Total £2500

 

Thats it! look forward to any comments, thanks in advance.

[nevos]

RBoS have respondedby letter received today:-

 

Dear Mr C,

Thank you for your letter dated 15th December 2006

 

I am sorry that we have not yet been able to respond to you and would ask that you bear with us meantime, We are currently investigating and will respond to you as soon as possible.

 

Thank you for your patience to date.

 

Yours sincerely,

 

Sandy Watt

Customer Relations Unit. PP hard to read!

 

Well I am a patient man comes with years of long haul flights however, I will be sticking to the deadlines. Think I will respond saying exactly that in a nice way!

[livelylad]

Exactly. Dont give them an inch.

[nevos]

Hi Lively happy Saturday! Quite funny I posted no response then almsot instantly the response arrived, wonder if they are following the threads

[livelylad]

Hi Lively happy Saturday! Quite funny I posted no response then almsot instantly the response arrived, wonder if they are following the threads

 

 

They do.

[nevos]

Update: Had a letter from RBS on 6th January: Please bear with us we are investigating your claim thank you for being patient. I decided to give the Bank a further 7 days before making a court claim.

 

19th January: Letter from RBS stating charges are reasonable however, having reviewed your case and agree to return £1,400 direct to your account( being the full amount of my claim).

 

The Royal Bank of Scotland if your reading this: Thank You very much! and thank you again for being very reasonable and dealing with my claim in a friendly manner!

 

CAG: 5% Donation coming your way, thank you all members.

[isidore]

Congrats!

[nevos]

Thanks T4 onwards and upwards to the next one:)