RBS bank charge refund

[becky75]

Hi just wondered......... have over the years had loads of bank charges as a result kept bumping my loans up then owed the bank shed loads .........definately as majority charges!! so now got a ccj from bank they've shut my accounts and im now doing debt managemant scheme to ckear up what i owe ( unfortunately same with credit cards ) i know bank ust owe me about 10 k over the past years but becuse theyve already shut my account does anyone thinks i can still claim my statements etc? or have i lost already? .........thanks

[PhantomReclaimer]

Makes no difference whether your accounts are currently open or were closed years ago. If the charges have resulted in you getting a CCJ then you want to go about getting that reversed (although I don't quite know how that is done) and get some damages.

 

P.

[c_allen]

and don't forget CCI

[becky75]

thanks so much!

 

my claim will be with rbs - does anyone know if i have to ask for 6 years statements max? thinks theyve been having a laugh for 7 you see!

 

also, do i write to the branch where the accounts were held or should i write straight to edinburgh?

 

would anyone have any idea where the best template to write my first letter would be?

 

and just to be dim - what does cci mean?

 

sorry to be a pain .................... do appreciate the feedback ......... its good to know that i can do something about these charges!!..you're all stars!

[PPMAN159]

Becky

 

Welcome to CAG

 

Please find your banks forum and start a thread;

 

(your name) V (banks name)

 

Other members with experience of your bank can offer informed advice.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's

LINKS....

At a glance guide to claiming.....

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

Claiming beyond 6 yrs - important new information!!!

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.c o..../flashchat.php

Finally good Luck.

 

PPMAN

 

If this helps please tip the scales, Left.

[becky75]

well after several years and a LOT of bank charges, i now find myself with a ccj and i'm working with another company on a debt management plan to pay off all those kind people that i owe lots of money to because they enjoyed giving me extra charges !!!!!!!!!!!!

 

my letters are out in the post first thing, so if anyone has any advice for me i'll be happy to accept it!

 

i'm going for rbs, monument, barclaycard and capital one - wish me luck!

[becky75]

also to add, had 2 bank accounts that were shut and a loan account - so i shall put all three on the letter and give them a tenner ! - this is o.k ?

 

the address i was sending the letter to rbs is :

 

Royal Bank of Scotland;

 

Data Protection Team

36 St Andrews Square

Edinburgh

EH2 2YB

this o.k? or can anyone suggest another?

thanks all x

[moo7777]

Hi - I have a feeling that you will need to send a separate request (and £10) for each account - others may know more - and there may be info in the FAQ sections on this site.......good luck!

[becky75]

worth a try though! lol!!

 

be worth £30 just to get back what i'm owed - thanks for your help!

[hedgey06]

also to add, had 2 bank accounts that were shut and a loan account - so i shall put all three on the letter and give them a tenner ! - this is o.k ?

 

Send them three seperate letters in the one envelope - but you only need to pay one fee of £10. This will cover all accounts you have/have had with RBoS.

[becky75]

brilliant!! thats a great help!! thanks so much!