question about rbs 2 accounts

[sar.pc1]

hello all

 

i have just sent off my letter to rbs reclaiming charges on my joint acc (with girlfriend) coming to £1400 (acc has £300 overdraft) but i also have a personal rbs acc which i have had for about 9 years during which time i have been a student and i currently have a £2000 graduate overdraft on that one which i am always at the edge of.. anyway charges on that acc come to around £600 which obviously won't cover the overdraft.. basically i am wondering whether to do both claims at the same time or do the student one after the joint,, will they try to close my student acc once the joint acc info starts going through or are they not allowed to do that?? i guess if i claim on both acc at the same time they will want rid of me all together.....has anyone claimed on 2 acc with the same bank like this... any info would be great thanks.. paul

[Kurt_Hamster]

It may be two accounts but really it's only one bank and one lot of money.

 

The only slight difference to the standard routine is that you are submitting two schedules of charges. Just make them clear which account is which and your schedule is detailed.

[sar.pc1]

thanks for that... what do you or anyone else think will happen with my accounts if i claim for the student one aswell i presume the bank will demand the imediate repayment of the overdraft???? so i'll have to figure out some way of doing that....

[Kurt_Hamster]

Not necessarily. This is where their defence can actually save you.

 

They contend you haven't breached their conditions, at some point you will get their defence saying that. If you haven't breached your contract then they can't call in the loan, i.e. the overdraft.

[sar.pc1]

thanks for that.. i agree that does make sense.. is that a point i would put to the bank once they have paid out or something i should bring up during the procedings?? thanks again

[Kurt_Hamster]

You would only need to use it if they attempted to call in your overdraft.

[sn00psmum]

Be very careful with RBS! We began 2 separate claims at the same time, one for £9k charges + CCI on a Royalties Gold a/c with a 6k overdraft and one for £880 of charges (no interest) on a RBS business a/c.

 

They offered full settlement on the business a/c within a few weeks, which we accepted at the beginning of March, however we still haven't got the cheque as they used it to reduce the overdraft on the Royalties a/c even though it is in dispute. The business a/c had a credit balance of over £450 when they closed it- they also helped themselves to that to further reduce the Royalties overdraft even though it's in dispute. Things get very complicated when you do more than one claim with the same bank.

 

I would definitely suggest doing the claims separately and waiting for one to come to a conclusion before starting the second, and by conclusion I mean that you actually have the money, not a promise of it- they are liars! I would also suggest that whichever one you decide to do first, get a parachute account up and running beforehand and place both the accounts in dispute in writing, there's a template in the library.

 

Good luck!

SM:p

[sar.pc1]

thanks sm and Kurt_Hamster..

i have sent of the lba for the joint acc for claim of around £1500 and i have the info prepaired for the student acc which comes to £600 i think i'll send that off now aswell because even if they decide to put the 2 together then i guess that will cover my £2000 overdraft and i can move on....i've got an abbey acc already but i'm going to claim on them for £200 so might just start all over again with someone else.... do any of you know if re-claiming bank charges has any effect on going to that same bank for a mortgage?? i am re-mortgaging at the moment and we are going to the halifax but what if i wanted to go back to rbs after my 2 year deal with halifax runs out...will the rbs hold the charge claims against me?? or do banks not cross reference that sort of info?? thanks again guys...

[sn00psmum]

i am re-mortgaging at the moment and we are going to the halifax but what if i wanted to go back to rbs after my 2 year deal with halifax runs out...will the rbs hold the charge claims against me?? or do banks not cross reference that sort of info?? thanks again guys...

Not sure if anyone's got that far yet but if they held bank charges against everyone who had claimed against them in the past they'd have no customers left! I'm pretty sure they'd prefer you to mortgage with them than somewhere else, they're still a business after all and they'll have to recoup their losses (ill gotten gains) from all the bank charges somewhere.

JMHO

SM:p