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Rbs & fos findings


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Has anyone had the same problem as me, if so what have you done. I could use some good advice.

I had my own business until last year, after 43 years I was forced to close by ill health due to stress caused by RBS.

I had transferred my account to them in August 2009. Had free banking for three months - but got charged.

Between 2009 and 2011 they charged me over £21,000 in bank charges, I was eventually crediting money to the account just to pay their charges and they were bouncing items more than paying them - reducing me to a shivering wreck and my good name in tatters and finally the destruction of my business.

After trying to get some of my charges back from the bank. I took the matter to FOS - after six months of allowing RBS

two weeks at a time to ignore their requests for information - the ombudsman declared that RBS had dealt unfairly with me

and had treated me unprofessionally by not assisting me when I was in need. They did say I was partly to blame for the way I ran my account - but I do not agree with them there - I had an overdraft limit and was not allowed 1p over that limit, and lived within those rules - using internet banking I checked the account every morning. The only time I exceeded the limit was when they posted charges and interest during the course of the day -

The upshot of it was the FOS stated the RBS should refund £10000 to me- to be taken off the charges still being debited to the account- in fact there is no refund to me at all. I lost my business and my health through this bank and wonder if I could refuse to

accept this finding and take the matter to court, or would I be wasting my time. Any help gratefully accepted.

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