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RBS charges- extremely out of hand


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I wondered if I can seek advice?

 

 

Iv had an RBS since 2001 and kept it in good order,

 

 

however in 2011/2012 I had 1 missed direct debit and this is now how the account stands on my credit file

 

Date of default

31/10/2012

Default balance

£ 721

 

I wrote to the bank in 2012 and also wrote to Financial ombudsman but I only ever received 1 letter back from the bank

to say that these charges had not been unfairly charged.

 

Recently the same thing has happened to my partner.

 

 

He was with Santander and the only thing that ever came out of his account was iTunes,

For the sake of £3.41 his Santander account now stands at £600 overdrawn and is still increasing..

 

 

.. we need help, we need to know what we can do and if I can still do anything with RBS now that the account hasn't been used for 3 years?

 

These accounts are stopping us from getting a mortgage... does this mean we can claim compensation for the damage?

 

I have read a lot of articles but still unsure what my rights are.

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if you can prove the defaults were solely due to unlawful penalty charges

then BCOBS is your friend

 

 

read the RBS link when you click BCOBS

 

 

if you look in the Santander forum too [off the top main forum tab]

theres details too about Santander an bcobs wins

 

 

dx

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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A word for Both accounts, if they went overdrawn (Especially like Santander) then BCOBS is very good here!

Santander seems to have been unfair in this situation!!! £3 turning into £600+

 

Thats disproportionate and unfair and wouldnt stand up in court... This I certainly know!!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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A word for Both accounts, if they went overdrawn (Especially like Santander) then BCOBS is very good here!

Santander seems to have been unfair in this situation!!! £3 turning into £600+

 

Thats disproportionate and unfair and wouldnt stand up in court... This I certainly know!!

 

What can we do from here then? Is there a procedure we can follow to get this overturned?

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The whole point of BCOBS is designed to give the consumer an edge in dealing with the banks. (Or an equal footing in correct terms)

 

Search BCOBS FCA , have a read of it.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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have a good read of the info I posted before

it all there what to do.

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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then draft a complaint here for their CEO.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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