RBS Bank charges ROP

*Kat*

I moved house and forgot to update my address, I never received the notification that I was going to be charged. They charged me £38 for an unpaid item, then, although I had money in my account, they are charging me £105 in total for using my card, even though I had the money in my account because they charged me the unpaid item fees, I didn't have the money in my account, if that makes sense.
Is there anything I can do about this? I mean, I use my card for payments, you know, £2 at Tesco, £5 at Sainsburys, or whatever. I think it's extreme to charge me £10~ or so for EACH transaction when at the time I made them, the money was in my account? Any advice? I've not paid it yet, but dont wnat it to go to debt collectors or anything

natweststaffmember

Why are RBS charging you £38 since their charges for unpaid items is £5?

*Kat*

It was a direct debit, so cause they refused the payment, they charged me £38, then cause they took that out, and i used my card, they are charging me 10£ for each time I used my card

natweststaffmember

When did this happen because the charges have not been £38.00 since October 2009?

*Kat*

I got charged October 2009 Lol. I wish I had the letters where they said they were charging me. So they reduced it to £5? I guess there's nothing I can do then

natweststaffmember

*Kat* wrote: »

I got charged October 2009 Lol. I wish I had the letters where they said they were charging me. So they reduced it to £5? I guess there's nothing I can do then

If it was the first charge then you could ask them to refund it as a gesture of goodwill.

*Kat*

I'll write the branch manager a letter, I dont have £180 to pay for fees.