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jamespp

Could someone check my spreadsheet?

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Hi All,

 

I'm just about to send the first letter, although a little unsure. I have absolutely no experience dealing with things like this.

 

Heres my spreadsheet which i will attach with my letter.

Google Docs & Spreadsheets - rbs-final

 

My letter is as template except

 

"I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX"

 

has been changed to:

 

"I calculate that you have taken a total of £467.74."

 

Since I don't truly understand the overdraft interest.

 

 

Any feedback is greatly appreciated.

James.

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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We're sorry.

It looks like you don't have access to this spreadsheet.

 

Find out more at the Google Docs & Spreadsheets Help Center.


Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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James, I've had a quick look. Couple of questions:

 

did you only start getting charges in 2006 - what about the 5 years previously?

 

The listings against the account number - are these set out as charges on your statements?

 

I take it you have been trying to pay of a loan from your current account and insufficient funds have put you over your overdraft limit? If that's the case, are you being defaulted on your loan as well?

 

Have you considered charging contractual interest - won't be much on charges from 2006, but might be worth a bit?

 

Once I understand a bit better I will comment on your s/sheet.


:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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Hi SweetRevenge,

Thanks for your help.

 

did you only start getting charges in 2006 - what about the 5 years previously?
I have only been with this bank for 6 months, previously my account was held with another bank of which i am awaiting to receive statements.
The listings against the account number - are these set out as charges on your statements?
Yes, on my internet banking statement they appear exactly as:

 

CHG UNPAID ITEM(S) , D/D 89.95, RBS PERSONAL LOAN

CHG 10AUG A/C 10103599

CHG UNPAID ITEM(S) , D/D 41.97, ORANGE

CHG UNPAID ITEM(S) , D/D 89.95, RBS PERSONAL LOAN

CHG UNPAID ITEM(S) , D/D 41.97, ORANGE

CHG 10OCT A/C 10103599

CHG UNPAID ITEM(S) , D/D 89.95, RBS PERSONAL LOAN

CHG 10NOV A/C 10103599

CHG CARD MISUSE , POS 9.49, POS 3.00

CHG REFERRAL CHARGE , FOR NOVEMBER

CHG 08DEC A/C 10103599

CHG GTEE CARD PYMT FEE, POS 43.40

 

I take it you have been trying to pay of a loan from your current account and insufficient funds have put you over your overdraft limit? If that's the case, are you being defaulted on your loan as well?
Yes i'm paying off a loan, perhaps on a couple of occasions the charge put my balance over the arranged overdraft limit. However I felt no need to complicate matters over claiming the small amounts of overdraft charges. I have no idea if my loan has been defaulted.

 

Have you considered charging contractual interest - won't be much on charges from 2006, but might be worth a bit?
I really don't know the meaning of "contractual interest"

 

Thanks again for your invaluable help in these matters :), i'm completely lost.

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Ok, so far so good.

 

Is this a Royalties or other account where you pay a monthly 'fee' for the service? If it is simply a current account with or with interest, that's fine, if not you need to be certain that the Royalties fee isn't included in one of the 'monthly' charges shown above.

 

I think if you had defaulted on your loan you would know about it. What I was trying to find out was 'are you being charged for not having made a payment on your loan account', as well as being charged in your current account for having insufficient funds?

 

Either way, if you want to keep it simple, fine. My only concern would be about separating out any 'fee' for the account from the charges. For example I only had an interest paying current account and my charges were £28 - which made me think you might be paying your royalties fee rolled into the £38 'charge'.

 

Let me know? :)


:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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I'm slightly concerned as i beleive it may well be a "Royalties" account.

Are you saying that the actual bounced direct debit charges may include a "royalties" fee?

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I am also a bit concerned - please have a look at the threads about RBOS charges and sorting out what is a charge and what is a fee for more information and how RBOS present this on statements - I think others have found they roll the two into one charge as well. I'll have a look and see if I can find the threads which are relevant for you. Someone with more experience of this may also be able to help.

 

I hate having to say that you may not be able to claim as much as you thought, but I wouldn't have done you any service to not mention it if the RBOS had then decided to defend on the basis that your claim is wrong.

 

Keep your chin up - we may still be able to bump it up with contractual interest, if you feel that way inclined.


:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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Thanks for your help SweetRevenge.

 

Had a look around, couldn't find anything to do with Royalties accounts.

I'm completely lost now.

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James, have a look at the top right hand corner of your statements. It says what account you have there. If it says "Interest paying current account" or very similar, then it isn't a Royalties account. If however, it says "Royalties Account, Royalties Gold Account, Royalties Premier Account" then it's what it says it is!

 

If you need help identifying / splitting charges, read my post all about it here.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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