Royal Bank of Scotland (merged)

Edinburghlass_2

sho_me_da_money wrote:

can i still lawfully pursue The Royal Bank of Scotland to recover my charges?

p.s. on a final note, if i am able to recover, who do i make the cheque payable to?

Yes you can claim on a closed account and make the cheque payable to Royal Bank of Scotland.

nats3006

hi well first of all i have a route 21 account with the RBS and they gave me an overdraft of £350 which i am always in :mad: anyway just a quick question as to they keep taking £10 charges and £4.50 every month around the 15th and this is my benefit money can they do this or could i reclaim it all back??
thanks in advance
nats

Edinburghlass_2

Do you mean you go over your overdraft limit and are then charged?

You need to find out what the charges are then you can check which ones you can claim back and follow the step by step guide by Martin.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

matt4504

So i'm 13 days into my 28 days of MCOL and I got a letter from RBS today saying 'sorry we havent got back to you but we're still awaiting information' but the thing is, it wasn't in query to the MCOL claim, it was towards the Letter Before Action. Seriously my branch is so slow.

stef

Hi, I managed to get an offer of £76 from the RBS but they insist I sign a disclaimer that they wrote on my behalf for the future stating that , "I understand that there will be no further refunds unless due to a bank error" and signed off "Yours truly".
(Sounds a wee bit too affectionate for me!!!)
Now, I have to sign this!
Does it sound correct to any one, and, where do I stand on this...is it legally binding? They also stated that I would have to sign this to recieve the refund when I attended a review of my account and graduate loan interview.
Any advice would be well appreciated.
Cheers, Stef.

sallywoo

what did you clame? dont sign anything if you want more money
if you sign the bank will use this as a legal agreement aginst you for any futher clames

mel1905

I agree with the above... try changing to another bank.

I certainly won't be signing anything, (in the process of claiming from HSBC!!!!)

matt4504

So I got another letter today from RBS saying 'Thanks you for your December 2nd letter, sorry for the delay but we will contact you shortly'. I feel like they're two weeks behind everything. 16 days til I win on MCOL...

nickmack

stef wrote:

Hi, I managed to get an offer of £76 from the RBS but they insist I sign a disclaimer that they wrote on my behalf for the future stating that , "I understand that there will be no further refunds unless due to a bank error" and signed off "Yours truly".
(Sounds a wee bit too affectionate for me!!!)
Now, I have to sign this!
Does it sound correct to any one, and, where do I stand on this...is it legally binding? They also stated that I would have to sign this to recieve the refund when I attended a review of my account and graduate loan interview.
Any advice would be well appreciated.

Many people have simply returned the form with these words crossed out. They are not really in a position to make demands like this. However, if you refuse they may close your account.

scottish_blend

I'm at a similar stage to Matt - I've had the letter saying we'll be in touch with you as soon as possible.

That was last week, so they have another week before I start harrassing them again