Recaliming off RBS via Ombudsman

deanh1

Im currently going down the line of the Ombudsman against RBS for bank charges totalling £1900 including interest. My case was on hold with RBS direct due to the ongoing court case.
As a result of that i am going down the hardship route via the Ombudsman.
Here is my basis below from the form@

'I have written to my bank account provider asking for a full refund of all the late payment fees and/or over limit fees that have been applied to the account I hold with them, over the past 6 years. I do not believe these charges reflect the true cost to my bank so are disproportionate and I have therefore been unlawfully deprived of this money, as also stated by the OFT in its April 06 statement.
At the time i began incurring charges for recalled direct debits etc, I had asked the Royal Bank of Scotland for some assistance as my employer at the time had not been paying my salary. The Royal Bank of Scotland refused to assist me in any way by way of overdraft extension or personal loan.
This resulted in me being unable to pay any of my bills, credit cards and other matters at the time such as rent, or pay for food.
Therefore any direct debits which were applied for, were returned unpaid, which in turn left me in a cycle of bank charges that were never ending.
As a result of the charges i incurred, i was left with a situation which made my financial situation substantially worse.
Once i began new employment i was left with no alternative but to open a new bank account so that i was still able to pay for necessities such as food, rent etc for my family.
Since then i have been paying back the balance of the account.
I would like a full refund of the bank charges added to my account (including the interest I would be entitled to if I had taken my claim to the county court) between the dates of 08/09/2001 to 2007.
My claim is for the value of £1903.36'

'I have written to my previous bank account provider asking for a full refund of all the late payment fees and/or over limit fees that have been applied to the account I held with them.
I do not believe i was treated fairly by the provider when i asked them for assistance due to financial hardship as the provider was unwilling to help and continued to apply charges to the account making my financial situation a lot worse.'


I received a response from the ombudsman stating it had referred my complaint to RBS. I have today received a letter from them asking me to complete a financial statement form with an explanation why i cannot meet my commitments.

I dont understand this as my complaint clearly states that my hardship was back when the charges were mounting up and the bank wouldnt help me. I also clearly tell them i have been repaying the balance ever since, but that due to the cycle of charges and the hardship they caused, it has a knockon effect on me know with my credit rating etc.

Do i just send the Ombudsman another letter back stating my issue is relating to previously ?

Can anyone advise me please?

natweststaffmember

deanh1 wrote: »

Im currently going down the line of the Ombudsman against RBS for bank charges totalling £1900 including interest. My case was on hold with RBS direct due to the ongoing court case.
As a result of that i am going down the hardship route via the Ombudsman.
Here is my basis below from the form@

'I have written to my bank account provider asking for a full refund of all the late payment fees and/or over limit fees that have been applied to the account I hold with them, over the past 6 years. I do not believe these charges reflect the true cost to my bank so are disproportionate and I have therefore been unlawfully deprived of this money, as also stated by the OFT in its April 06 statement.
Skating on very thing ice here. Cos the cost does not HAVE to reflect the true costs to the bank. Report OFT842 was on credit cards
see link: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842.pdf
At the time i began incurring charges for recalled direct debits etc, I had asked the Royal Bank of Scotland for some assistance as my employer at the time had not been paying my salary. The Royal Bank of Scotland refused to assist me in any way by way of overdraft extension or personal loan.
Include exactly what they did suggest to you and was this approach prior to incurring charges or afterwards
This resulted in me being unable to pay any of my bills, credit cards and other matters at the time such as rent, or pay for food.
With the FOS be very very exact as to what bounced, who you could not pay, and look at your statements for evidence.
Therefore any direct debits which were applied for, were returned unpaid, which in turn left me in a cycle of bank charges that were never ending.
As a result of the charges i incurred, i was left with a situation which made my financial situation substantially worse.
Once i began new employment i was left with no alternative but to open a new bank account so that i was still able to pay for necessities such as food, rent etc for my family.
Since then i have been paying back the balance of the account.
I would like a full refund of the bank charges added to my account (including the interest I would be entitled to if I had taken my claim to the county court) between the dates of 08/09/2001 to 2007.
My claim is for the value of £1903.36'

'I have written to my previous bank account provider asking for a full refund of all the late payment fees and/or over limit fees that have been applied to the account I held with them.
That is a credit card claim. Are we talking credit cards or bank account charges?
I do not believe i was treated fairly by the provider when i asked them for assistance due to financial hardship as the provider was unwilling to help and continued to apply charges to the account making my financial situation a lot worse.'
Explain more on this one including how it made it worse, ie you had x amount going in and x amount had to go towards bill A, B and C and income minus charges left you with Y amount to pay them.

I received a response from the ombudsman stating it had referred my complaint to RBS. I have today received a letter from them asking me to complete a financial statement form with an explanation why i cannot meet my commitments.

I dont understand this as my complaint clearly states that my hardship was back when the charges were mounting up and the bank wouldnt help me. I also clearly tell them i have been repaying the balance ever since, but that due to the cycle of charges and the hardship they caused, it has a knockon effect on me know with my credit rating etc.

Complete it in full but include the reasoning and arguments you set out above.
Do i just send the Ombudsman another letter back stating my issue is relating to previously ?

Can anyone advise me please?

Please see above.