Ewan v RBoS

[kflemi16]

Going through them I'm finding a few entiries like this:

 

CHG TO 01APR A/C 1020xxxx -£10.00

 

But when looking back to that date I see nothing, I was expecting this to be a £10 service charge for going above my overdraft, but when traveling back to the date I see nothing that would have caused me to go into it (and no other associated charge). Weird!

 

Hi ewan,

Did you claim these charges back?

I have quite a few of them, One a month going back for quite a while.

[BigCol]

kflemi16,

it depends what type of account you have/had with the RBS, some have a monthly charge (Royalties) of between £5 and £12 per month for the 'extras' that you get. Nothing useful like an official keeping a closer watch on your account or anything, but that's profiteering for you!

[BigCol]

kflemi16,

it depends what type of account you have/had with the RBS, some have a monthly charge (Royalties) of between £5 and £12 per month for the 'extras' that you get. Nothing useful like an official keeping a closer watch on your account or anything, but that's profiteering for you! So I would assume that for this 'service' you cannot claim it back as an unlawful charge, I can be stood corrected otherwise!

[kflemi16]

kflemi16,

it depends what type of account you have/had with the RBS, some have a monthly charge (Royalties) of between £5 and £12 per month for the 'extras' that you get. Nothing useful like an official keeping a closer watch on your account or anything, but that's profiteering for you! So I would assume that for this 'service' you cannot claim it back as an unlawful charge, I can be stood corrected otherwise!

 

Hi BigCol,

I phoned RBS and asked about this, they said it was a charge because i went over my agreed limit. I assume this is like the £28 charge in a royalties.

My account was an R21. This doesnt have any monthly charge for any extras, so i take it that i can claim these £10 ones back but as they are under the OFT's £12, are they unfair?

[stacymason]

I'm about 10 days ahead of you and up to now they've just acknowledged the claim, no defence as of yet!!

[Ewan]

Hi BigCol,

I phoned RBS and asked about this, they said it was a charge because i went over my agreed limit. I assume this is like the £28 charge in a royalties.

My account was an R21. This doesnt have any monthly charge for any extras, so i take it that i can claim these £10 ones back but as they are under the OFT's £12, are they unfair?

 

Ignore the OFT thing, thats only a recent addition to our arsnal, the one you need to be concerned about is that any charge not reflecting actual loss is therefore punative and so agsints common contract law. Now it doesnt cost them £10 to tell you you went over your OD and send you a letter.

 

Yes I am claiming for these amounts, you should too. I'm also route 21.

[kflemi16]

Thanks Ewan,

Thats great news, cant wait to get it all back.:grin:

[BigCol]

kflemi16,

 

firstly I suggest you start your own thread if you haven't already, but the OFT ruling was that they suggest the charge was less than £12 and only when justified to cover any 'intervention' and they can prove it costs them. Any other charges we deem are unlawful! Go for it!

[Ewan]

OK, I received my return and hearing dates now see sig.

 

Little bit worried by the thread in the scotland forum http://www.consumeractiongroup.co.uk/forum/scotland/13879-i-am-going-court-4.html

 

It seems they ended up in court as they didnt attach the terms and conditions of their conracts, Would this be worth sending to the court do you think?

[Ewan]

Well, the bank entered a defence.

 

I recieved a letter one day later offering a partial refund, I declined and told them i would only settle for a full refund. Sure enough, a full refund is now on its way to me and the court case is being dismissed.

 

[seaweasel]

Well done Ewan! I'm considering putting in a claim for what will probably be about the same amount (going to put in a DPA request today or tomorrow). If you don't mind me asking, do you still have your RBS account and do you have an overdraft? I'm a little concerned about them calling it in if I sue them.

 

Cheers,

Craig

[Ewan]

I still have both! There was no mention of anything closing or being removed.

 

ITs a small amount in the grand sceme of things, so I wasnt concerned. If I claimed again then It may be a different storey!

[meagainstrbs]

Hey ewan,

 

Very similar as to what happened to me with RBoS - well done!

 

I hope you are really happy - you did good.

 

meagainstrbs

[Ewan]

This topic was closed on 09 March 2019.

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