Royal Bank of Scotland (merged)

jrobinson4

dw32 wrote: »

I have just wrote to the royal bank of scotland to reclaim my charges amounting to £11500.00 ( yes eleven thousand one hundred pounds :mad: ) on 2 account over six years.
has anyone has sucsess claiming from them. Any notes of encouragement will be gratefully received.

Good luck :beer: RBS seem to be quite good at settling if you look back over the messages posted. Drinks are on you I think!!!
Jo

Fay_Ibbott

I'm just about to send my second request for refund but I'm worried the first one has gone to the wrong address. Can anyone tell me what address I should be using.

I know in theory they should forward it to the right place, but I assume they'll use any excuse not to reply.

Thanks.

Fay

Jimnrhi1

I sent my initial letter to my own branch by registered post and received a reply (with personal reference number) from:
Customer Relations Support Unit
Retail Support
The Cornerstone
60 South Gyle Cresent
Edinburgh
EH12 9WF

I assumed this was the norm and am currently giving them 14 days to respond to a claim for £4225.
I'll see how it goes.........................................

view

Have most people
1. waited the 7-8 weeks to receive their offer or
2. Decided to go ahead with claiming through the court?

Indebted2uRen79

Indebted2uRen79 wrote: »

Hello everyone.

Recently received my husbands 6 years worth of bank statements and to be fair to RBOS they were prompt with it.

We went through them and luckily the charges don't come to as much as we thought.

I'm not completely stupid but still quite confused so I have a couple of questions just to clarify.

Firstly I understand that standard overdraft charges etc cannot be claimed back and for the first few years on the account my husband never needed to use the overdraft although there was a monthly £5 fee.

In later statements, he went over his overdraft limit and so was charged £33 which by my calculation is a £28 excess overdraft fee +£5 standard. Most recently the standard charge went up to £6 so the monthly charges were increased to £34 (£28+£6standard fee).

The problem is that these charges are not listed on the statements as excess overdraft fees but as 'CHG TO 07MAR A/C 1*******' Which is how the standard £5 fee is listed in the first statements.
Are they going to fob this off as standard charges because they are not labelled as some kind of default??

Has everyone chosen to ignore me?

Indebted2uRen79

Indebted2uRen79 wrote: »

Also a couple of other verification questions.

He took out a loan with RBOS a couple of years ago and when things were bad the payments were not made. Twice on the statements he was charged CHG UNPAID ITEM
S/O £66.00
RBS LOAN ARREARS £38
What I don't quite understand is does this amount relate to his account because the Standing Order wasn't paid or is it actually a charge relating to the loan i.e would they have added this charge to his loan rather than the bank account if his account wasn't with them?
Hope you understand my meaning.

Okay next question.
At the end when things got really bad the bank told him they would shut his account down a set it to default which he agreed with as neither of us really got what they meant and they dressed it up to be a good idea.

On his staement there was a listing
CHG TO DEFAULT NOTICE FEE.
Is this standard as he agreed or can we add this on to the charges we reclaim??

Perhaps I wrote too much and it was too boring to read

k1mmie

Wrote for my statements on 7th April. Sent payment on 18th April by recorded. They signed for it on 23rd. Still not heard anything. Tried calling today and was put through to customer services, and still holding as i type (waiting time so far 26.40 minutes). What a joke - do you think they are trying to avoid me????

Gnomes

k1mmie wrote: »

Wrote for my statements on 7th April. Sent payment on 18th April by recorded. They signed for it on 23rd. Still not heard anything. Tried calling today and was put through to customer services, and still holding as i type (waiting time so far 26.40 minutes). What a joke - do you think they are trying to avoid me????

No I don't think they are avoiding you, they are extreamly busy and they do have 40 days to send you your statements and it has only been 15 days max.

k1mmie

Finally got throught - but guess what - my request is still not on the system. One of the accounts is a business account and they can not help me - gave me another number. They in turn said put in writing. I said I have to Edinburgh and they said we do not correspond to each other and this is the business side and have no knowledge of your request. Put in writing to us. DOH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Indebted2uRen79

Indebted2uRen79 wrote: »

Hello everyone.

Recently received my husbands 6 years worth of bank statements and to be fair to RBOS they were prompt with it.

We went through them and luckily the charges don't come to as much as we thought.

I'm not completely stupid but still quite confused so I have a couple of questions just to clarify.

Firstly I understand that standard overdraft charges etc cannot be claimed back and for the first few years on the account my husband never needed to use the overdraft although there was a monthly £5 fee.

In later statements, he went over his overdraft limit and so was charged £33 which by my calculation is a £28 excess overdraft fee +£5 standard. Most recently the standard charge went up to £6 so the monthly charges were increased to £34 (£28+£6standard fee).

The problem is that these charges are not listed on the statements as excess overdraft fees but as 'CHG TO 07MAR A/C 1*******' Which is how the standard £5 fee is listed in the first statements.
Are they going to fob this off as standard charges because they are not labelled as some kind of default??

just bumping up as still no response