Royal Bank of Scotland (merged)

daisycat01

Oh brilliant thanks so much!! I will move on to our Alliance and Leicester account and get started on that!

:A

TIA
:T

daisycat01

Ok,

I have a Royalties Premier Account and the charges have no description other than "charges". Each month along with the monthly interest charge I get a 2 other charges which seem to start at £15 for one and £3 for the other. Both can then increase, the second lower charge can sometimes be pence. I am thinking that both these charges consist of a basic charge of £15 and £3 and the anything added on is a charge that I can claim for? So each month I should subtract £15 from the first and £3 from the latter and then note down the remainder and claim that amount??? DOes that sound right???

Phew!!!
:rolleyes:

natweststaffmember

daisycat01 wrote: »

Ok,

I have a Royalties Premier Account and the charges have no description other than "charges". Each month along with the monthly interest charge I get a 2 other charges which seem to start at £15 for one and £3 for the other. Both can then increase, the second lower charge can sometimes be pence. I am thinking that both these charges consist of a basic charge of £15 and £3 and the anything added on is a charge that I can claim for? So each month I should subtract £15 from the first and £3 from the latter and then note down the remainder and claim that amount??? DOes that sound right???

Phew!!!
:rolleyes:

I think you need to ask the bank to supply you a list from the date your account was opened with the amount that the Royalties Premier account was taken over the period of your claim.

stevie.Boy_3

Hi

I'm needing some advice. I have a an account that between 2002 until 2007 accrued roughly £2400 in charges. I was over my overdraft as I was made redundent from my work after it went bust, and couldn't pay money in to cover D/D. As a result I recieved charges as well as interest on the money that was overdrawn. It was like each month a charge as well as interest, I tried to make payments but could not make any head way with the unrelating charges.

Can I claim for the interest as well as the bank charges?

natweststaffmember

stevie.Boy wrote: »

Hi

I'm needing some advice. I have a an account that between 2002 until 2007 accrued roughly £2400 in charges. I was over my overdraft as I was made redundent from my work after it went bust, and couldn't pay money in to cover D/D. As a result I recieved charges as well as interest on the money that was overdrawn. It was like each month a charge as well as interest, I tried to make payments but could not make any head way with the unrelating charges.

Can I claim for the interest as well as the bank charges?

You can only claim the interest on the part that was made for the charges.

stevie.Boy_3

So, just to put things right in my head. My overdraft was £1400, which was only attracting interest roughly of £9 and I think I had Royalities Gold with the account that had a monthly charge of £5. When I went overdrawn, with a returned D/D I was hit with a charge for unpaid item, a charge for going overdrawn, as the first charge put me over my limit, then I was hit with interset. Then it was charge, then interset for every month there after, the charges where the same each month but the interest was increasing each month.

So I can only reclaim part of the interest. The interest for the monies over and above the agreed limit of £1400 that was applied. For arguments sake, interest applied whilst over-overdrawn was roughly £29, I can only recliam £20 and not the other £9. Is that true?

natweststaffmember

stevie.Boy wrote: »

So, just to put things right in my head. My overdraft was £1400, which was only attracting interest roughly of £9 and I think I had Royalities Gold with the account that had a monthly charge of £5. When I went overdrawn, with a returned D/D I was hit with a charge for unpaid item, a charge for going overdrawn, as the first charge put me over my limit, then I was hit with interset. Then it was charge, then interset for every month there after, the charges where the same each month but the interest was increasing each month.

So I can only reclaim part of the interest. The interest for the monies over and above the agreed limit of £1400 that was applied. For arguments sake, interest applied whilst over-overdrawn was roughly £29, I can only recliam £20 and not the other £9. Is that true?

Was it a student account or interest free overdraft?
You claim the charge plus interest portion of the overdraft interest charge. It is very complicated IMHO.

stevie.Boy_3

natweststaffmember wrote: »

Was it a student account or interest free overdraft?
You claim the charge plus interest portion of the overdraft interest charge. It is very complicated IMHO.

It was a student account. When you say complicated, how complicated?

natweststaffmember

stevie.Boy wrote: »

It was a student account. When you say complicated, how complicated?

I would stick to the charges and interest on the charges.

JoseRamos

i do like to reclaim my bank charges from ULSTER BANK as i did got a good will payment from dthe seam bank put was not enough.
could u help please
us thankfully
joseph ramos