The Royal BAnk of Scotland!!!

[redusga64]

I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

[redusga64]

I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

[BankFodder]

Post it to your branch.

If your account is in England, then keep all of your correspondence in England

[BankFodder]

Post it to your branch.

If your account is in England, then keep all of your correspondence in England

[redusga64]

I sent my letter to the RBS on 21st Feb i'm not to sure of the next step do i wait 40 days to see if they will send me the list of charges they have applied on my account in the last 6 years or do i start with the court action straight away as the 7 days have gone.

[Seminole]

Did you send it recorded delivery or have you had any acknowledgement that it has been received?

[redusga64]

I've recieved nothing was actually thinking of sending it again recorded delivery.

[Seminole]

They will probably regard this as restarting the clock again on the 40 days but you may have no choice. They should have at least acknowledged your letter by now. Are some of your charges on the brink of being more than 6 months old? I had the same type of problem with Nat West (owned by RBS) in that, whilst they replied, they were trying to run out the clock so I've now sued them for an estimated amount.

 

If you don't face the same problen, it would probably just be best to resend it by recorded delivery.

[redusga64]

As another option i will go and pull out all my bank statements and see if i can come up with an estimate amount to just take it to court, as i can see they maybe avoiding the letter and to show i'm serious proceed to the next step with out the list of charges.

My most recent charge was end of Feburary for £145 all on 1 day my charges go back a long time and i'm sure they owe me alot of money, i'm not to sure what's the better thing to do as i'm travelling at the end of the month and don't want them to think i'm not serious.

[redusga64]

Just as i was ready to post the letter recorded delivery i recieved a letter from RBS 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with £28 plus the last charge of £38'.

Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.

[BankFodder]

I take it that you haven't had your list of charges yet so send them an abrupt reminder.

[redusga64]

No not yet

[richardc]

So, rudely remind them.

[buzz]

Just as i was ready to post the letter recorded delivery i recieved a letter from RBS 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with £28 plus the last charge of £38'.

Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.

 

They tried this "goodwill gesture for the most recent charge" on me, hoping I would be daft enough to accept. I then wrote and told them I wanted ALL the charges refunding. In the end they paid up.

Stick to your guns. Give them the "14 days or court action" threat

Go for it all. Its your money, you are entitled to it

Good Luck,

 

Buzz.

[redusga64]

Thanks for advice, just wanted to know should i combine the 2 letters the one regarding the data protection act and also the abrupt letter requesting a full refund within 14 days without the total amount owed?

[BankFodder]

No because then your deadlines become ambiguous. 40 days DPA, 14 days to settle. Doesn't work

We used to have a template letter which combined them in the way you suggest. It only caused problems and confusion.

[redusga64]

Ok well i've drafted the 40 days letter but stated this started from the date of my first inital letter which gives them until next week. Should i wait for the response on this before i conclude with the 14 days notice of full refund required?

[BankFodder]

Did your original letter include £10?

[redusga64]

no

[BankFodder]

It needs £10 for it to be a valid DPA request. This gives the bank a legitimate reason for non-compliance

[redusga64]

Ok i will do this today by registered post, then move forward with the 14 days notice after the 40days. Thanks

[redusga64]

I'm now back from holiday and yesterday i went into my local branch to pay in a cheque the advisor there mentioned my over draft and the interest i am paying. She informed me that last month they have devised a scheme to be able to approve a loan to clear the overdraft which you pay back at an amount you can afford.

Cut a long story short got a call from the advisior today to discuss she pointed out to me the amount of charges that have been applied to my account and if they was to put me on this new scheme they will take back my switch card for 6 months to help stop the charges i mentioned to her that when i do receive my charges back that this will cover my overdraft and that this is a problem that the bank need to be dealing with and have informed her of the information i requested since March and soon as this has been received that i will be in a poistion to discuss this further.

Now my letter was date 16th March do i include the weekends when counting down the 40days as this is due on Tuesday?

[Candice]

Yes include the weekends, bank holidays, end of the world and anything else that happens in a day

[redusga64]

Great cause i am actually looking forward to taking this further, summer is coming soon i want to enjoy it!!!

[redusga64]

HELP!!!

The 40 days are up for the bank to send me the information i requested should i call them to find out or should i proceed with action but the only thing is i'm not to sure of how much i've been charged over the years.