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'Got bank statements with no problems. First letter sent asking for refund.:wink: Now reading up on small claims procedure and ready to go to court if necessary.

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Hi cats - just follow the procedure. Dont worry about getting ready for court - you won't have to go - they'll pay up before then :)

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welcome and good luck. Have a good read of the other RBoS threads to be ready - forewarned is forearmed!!

It's yours and you want it back!;)

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Hi BigCol

I think I must have read just about everything on the site by now-the only information I couldn't find was how to post a thread! 'Came across the link by accident earlier.

Don't know about anyone else but my overwhelming feeling now is one of relief. I have spent years having conversations with the bank that have left me feeling utterly enraged and powerless through having to listen to comments such as 'well you should have had money in your account' and 'you incurred charges because you were over your limit' , in spite of irrefutable evidence that switch payments and service charges for Royalties were applied to my account retrospectively causing me to exceed my limit. I felt much as victims of theft must feel, I imagine, and it caused me no end of stress, knowing that these people were helping themselves to my hard earned money.

I have noticed a change recently in the demeanour of the bank staff and the tone they take with me. They are very defensive and much less likely to adopt a condescending or frankly rude approach to my queries or complaints. Needless to say, I am always very polite and very assertive with them, but when this is all over I shall be demanding written apologies from the two members of staff who were particularly rude and unhelpful

The best thing for me is that these negative feelings of rage and hopelessness have been replaced with a wonderful feeling of now being the one in control because I'm right ,and now, thanks to this wonderful website, I am now in a position to prove it!:-)

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Go Cats!

I have tried for years to keep within the Ts&Cs of my account, but life has a nasty habit of kicking you in the danglies when you least expect it. Keep the faith, there are more than a few success stories on this site and no reason why we shouldn't share the glory. I have taken loan upon loan with RBoS to try and keep out of the sticky brown stuff and act responsibly, believing that 'they' would see this and reciprocate...how wrong I was. Business (ie profits) always gets in the way, but now the worms have turned......8-) Just remember that the person on the other end of the phone is human and only toe-ing the party line. Just keep being asertive and checking the site for confidence and passing it on to the rest of us and anyone else that may benefit from getting their money back - then don't forget to donate once you've won to keep the site going! All hail BF and the Mods - bouyashacka!(or whatever -ai!)

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I too have taken out loans-at the banks suggestion - for the same reasons i.e to try and avoid prohibitive bank charges when times are difficult. Last time they insisted that I took loan cover at £80 per month before they would go ahead with the loan, but they waited until the very last stage before doing so, knowing that I had little option. If I had known what I know now at an earlier stage, I would have toughed it out rather than take out a loan with ruinous loan cover payments, but the spectre of vast, rapidly escalating charges becoming a huge debt in themselves frightened me so much I took the easy option.

Not sure if I can now ask for the loan cover to be removed-does anyone know? It was a condition of the loan at the time.

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