rbs - charge details query

[cm34]

Hi

 

I've only just registered but have been reading alot about claiming back charges! I am keen to get started and am preparing my letter requesting details on charges. However I read somewhere that the law in Scotland is different and instead of 6 years you can only claim 5 - I am with royal bank of scotland (although living in northern ireland) I was resident in scotland when I opened the account - does anyone know if this is true - as it is a scottish bank can I only request 5 years worth of info under data protection? Or does anyone know if the law is the same for Northern Ireland?

 

Also although I have been with the same bank, my account has changed from a student account to a graduate account to a normal current account - do I have to request info on all these separately or should the bank have records for all these under my present acount?

 

Sorry, lots of questions I know but any help gratefully appreciated!

[furzle]

Hi - not sure about the Scotland thing I'm afraid but I do know that as long as your account has kept the same number then it doesn't matter what type it has been (mine is the same). Only thing it MAY affect is if you are working out overdraft limits for the calculation of charged interest etc.

 

Good luck!

[cm34]

Hi

 

Thanks, thats good to know although am a bit nrevous about trying to work out interest etc, still one thing at a time!

 

Done a bit more research and have realised the limit in NI for small claims is 2000 not 5000 - I think my charges are likely to total more than 2000 so looks like I will need to do one claim at a time.

 

I've also found out that under data protection it's 6 years for Northern Ireland too so now I suppose it depends if I can only get 5 years as I opened the original account when living in Scotland or if I can get 6 as I will be going through n i system - will jsut ask them for 6 I think and see what they say!

 

thanks for your help

[furzle]

It's complicated, isn't it?!

 

I am only at the beginning myself. I have added up the charges but have no idea what I'm doing with the interest. I have had LOADS charged in interest but haven't quite figured out how to work out which bits of interest are because of the charges and which bits I would have been charged any way.

 

As far as I can see I will need some more info for this - namely finding out what my agreed overdraft was at any point - it has varied lots and many times. Will have to call them and see if this is info they have to hand. There are still charges in that which I may not be able to claim as well as I have no idea what they are for!

 

Good luck with yours - I'll keep an eye out to see how you are getting on!