Help 2 banks keep adding charges but im broke

themasta09

Hi i have 2 bank accs, RBS & NATWEST and i went to close the natwest one when there was 102.80 unaut o/d and had the money in full to pay and when i said i wanted to close the acc the3 lady said well then you will have to pay another 120.00 for futures cg=harges (i asked for a copy and she said im not allowed!?) no ive had a threatening letter from them saying i now owe 448.02p but since that day i havent used the account at all as i wanted iut closed...

The rbs is now 180.00 od (unaut) because a cheque for 62p took my balance to -0.62p!!!
I have also stopped using this account, but they keep adding charges, I am unfortuantely unemployed claiming jsa and do not even have a spare pound let alone over 600.00.

Im at my wits end and tempted to run off, but i didnt want any of this it is making me ill ive noever owed anyone a penny in my life

Please please give me some advice
Lotws of love and thanks in advance,
Sammie

Orford

I am unfortuantely unemployed claiming jsa

Can you just confirm that you have a different a/c from the NW & RBS ones that this is paid into?

If so then you need to claim all the charges on those 2 a/c's since July 2001 Follow the step by step guide here:
http://www.moneysavingexpert.com/reclaim/bank-charges

themasta09

Hi i get it via 'giro' they are my only 2 accounts (im only 18) my friend who i live with is on 'income support' and he has no accounts - but diabolicle credit history (he has made a post in debt free wannabe)

I cant live on what i get now so i cant even .pay electric bill of 88.98 nor bt bill 126.44 and i have orange 42.00 a month 18 month contract ive missed 3 payments so far..
Im totally s*r*wed, i wish there was some magic i could use, i need it right now, my chances of getting good credit rating drop and drop each month, brilliant for an 18 year old!!!!!!!!!!

Please try to suggest something, anything pleaseeeeeee.....

Orford

themasta09 wrote: »

Hi i get it via 'giro' they are my only 2 accounts (im only 18) .

Ok that's fine. How many of these charges were incurred before you were 18?

natweststaffmember

Orford wrote: »

Ok that's fine. How many of these charges were incurred before you were 18?

Cos we can nail NatWest and RBS Bank on that bit and I would do it with a big smile on my face :j:j:j:j:j:j:j:j:j

themasta09

Hi no they were both when i was 18.
The natwest one started because i agreed to pay an isp 25.00 a month and they accepted (for internet) but they took out 65.68 which the bank duly paid even though it sent me 65.68 overdrawn.
Then they added chrges which took it to 122.40 then thats when i went to clear the balance and close the account and when i said i want to pay it and close the account she said well we will have to add 'future' charges?
So as it stands its over 400.00.

The rbs one was caused by a cheque being 'bounced' for 0.62p.
The cheque was for 3.58 but my account only had 2.96 in and thus the charges began and it stands at over 200.00!!

(there may have also been a couple of returned direct debits on both accs i have stopped and canceled all dds now)
Thanks so much for the help guys..x

P.S
I forgot dont know if this helps but when i cancelledthe sky direct debit on my RBS acc which i did online (it said are you sure you want to cancel this dd? i clicked yes,)
Sky informed me a couple of weeks later when i foned them to ask why my sky account had been cut off, that i was infact 'DEAD' yep those were her EXACT words.
Hmm so iasked how they came to the conclusion i was DEAD and they informed me (after several hours of trying to find the reason) that they had received an email from ...You guessed it ''RBS'' saying the account holder of this direct dsebit is 'DECEASED'.
I have foned RBS and they say they did not send it and sky wont email me a copy.???

AAAArgghh the plot thickens.......

Oh by the way just incase any Rbs or Sky employees are reading this - yes iam alive...

natweststaffmember

themasta09 wrote: »

Hi no they were both when i was 18.
The natwest one started because i agreed to pay an isp 25.00 a month and they accepted (for internet) but they took out 65.68 which the bank duly paid even though it sent me 65.68 overdrawn.
Then they added chrges which took it to 122.40 then thats when i went to clear the balance and close the account and when i said i want to pay it and close the account she said well we will have to add 'future' charges?
So as it stands its over 400.00.

The rbs one was caused by a cheque being 'bounced' for 0.62p.
The cheque was for 3.58 but my account only had 2.96 in and thus the charges began and it stands at over 200.00!!

(there may have also been a couple of returned direct debits on both accs i have stopped and canceled all dds now)
Thanks so much for the help guys..x

P.S
I forgot dont know if this helps but when i cancelledthe sky direct debit on my RBS acc which i did online (it said are you sure you want to cancel this dd? i clicked yes,)
Sky informed me a couple of weeks later when i foned them to ask why my sky account had been cut off, that i was infact 'DEAD' yep those were her EXACT words.
Hmm so iasked how they came to the conclusion i was DEAD and they informed me (after several hours of trying to find the reason) that they had received an email from ...You guessed it ''RBS'' saying the account holder of this direct dsebit is 'DECEASED'.
I have foned RBS and they say they did not send it and sky wont email me a copy.???

AAAArgghh the plot thickens.......

Oh by the way just incase any Rbs or Sky employees are reading this - yes iam alive...

Write to sky and tell them this and ask them to confirm this because this is a separate issue to the bank charges but to quote a very famous Mark Twain quote "News of my death has been greatly exaggerated!!"

themasta09

Thanks for that i will do.

Ok so what is my next step with regards to the bank accounts though.
(I really dont know anything about banks or accounts or procedures)
Thanks in advance

natweststaffmember

themasta09 wrote: »

Thanks for that i will do.

Ok so what is my next step with regards to the bank accounts though.
(I really dont know anything about banks or accounts or procedures)
Thanks in advance

Orford on post 2 has given you the info