Overlimit fees

cheezedoff

The Royal Bank of Scotland has charged me £20 overlimit fees for the last 3 months. The latest for being £176 over the £9800 limit - the £140 interest charges + £20 overlimit fee sends the next months payment above the limit again. They take the min. payment d/debit and I am unable to pay it off until April so have had to endure what they throw at me. I know you are running an article about the banks charges is there something I can do about these continious credit card fees.

little_miss_broke_2

Are you also paying PPI on the card?

I had a similar problem with a Virgin CC. As soon as the interest and PPI was added back on after my monthly payment it was putting me over the limit again - bang, another overlimit fee. I cancelled the PPI (which was £20 a month on a £2500 balance) and it's really helped me.

Don't know if this is of any help to you. Good luck in getting it sorted.

manicdays

you could cancel the dd for 3 months & go on a short term repayment plan. By the end of the 3 months you'd be back under your limit again. Unless you can pay more than the minimum each month?