This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hey ewan, Very similar as to what happened to me with RBoS - well done! I hope you are really happy - you did good. meagainstrbs

Hey manolo, Well done - you go girl! I'd be so scared but you have done so well in not pulling out so far - I'm not sure I would've had that confidence! If I can help in ANY WAY - please let me know. meagainstrbs

Good luck manolo - can't believe its got this far. Waiting with baited breath meagainstrbs

Hi manolo, Please don't panic - I very much doubt that you will actually end up in court on Thurdays - although I know its easy for me to say. Stay calm, keep reading and I'm sure that the only reason no-one's replying is that this hasn't happened to anyone yet! I would maybe email dave or BankFodder (site administrators) as they will certainly be very interested in helping if you do end up in court. Maybe also phone Govan Law Centre for some advice. They are very up on bank charges claiming, so I've heard. Keep us updated! meagainstrbs

Hey manolo, See my post here to see what happened to me at this stage:- http://www.consumeractiongroup.co.uk/forum/scotland/5680-help-please-scotland-rbs.html I'm in Scotland too. meagainstrbs

Hey guys, Thanks very much for the messages and PMs - I really would have caved in if it wasn't for the support and advice on here - still considering going after Mint for £60 and researching BOS joint current account charges - not sure if I have the nerve again - but know you'll all say GO FOR IT! Of course I'll still be around and if I miss you, please email me on jellymelonbean'at'hotmail'dot'com Thanks again! meagainstrbs

Aberdeen! Please do, he really was clueless! Good luck jamboray! meagainstrbs

Hello everyone, Well its been a fair journey but I DID IT! Yay me and thank you guys so much for all your help and support! After the return day passes on Tuesday with no defense returned (I'm in Scotland), I am preparing to contact the court and ask for an extract decree to begin claiming the money back from RBS - about 11am my mobile phone rings and its Mark, a lawyer from RBS:- Mark@RBS: "We understand you are having some problems with customer service and issues of charges from Royal Bank of Scotland" Me: "Yes" (sitting at Perth train station, caught unawares!) Mark@RBS: "We'd like to settle the matter by offering you a full refund of £743 + £39 court fee - only if you agree to keep this a secret" (Ha! Try and stop me!) Me: "Okay - but what about the 8% interest" (Jumping up and down!) Then follows a boring conversation where he ensures me he doesn't understand the 8% interest thing (yeah right, you have a law degree!) and he assures me it only adds up to £4.95 anyway. We argue back and forth for a while. Me: "I think you'll find its about another £100 on top of the £782 you already are repaying to me" Mark@RBS: "I'll need to calculate it and ring you back" Call No. 2 Mark@RBS: "Well thank you for that thankless task" (Talking about calculating the interest - and yes, those were his actual words) "You are due £884.62" which includes £102.62 of interest" Me: "Thank you and when will I see this money" Mark@RBS: "It'll be paid into your account today" It appeared in my account on Thursday! And for the first time in 8 years, my bank account was in credit and due to stay that way for the future! My overdraft was £850 so I just paid this all off, paid a little bit off the Barclaycard and had a bottle of cheap plonk! For anyone who is considering reclaiming bank charges - go for it! PM me if you need any help (particularly in Scotland) or are claiming against RBS. I have filled in the CAG survey - but its really geared (in the stages bit) towards people who have claimed in England so my answers were a bit skewed - but its filled in all the same! Thank you to Ewan, cowlie, deemacperth, babes66, wintermare, Jamboray, setonstelle8977, ajs44, Robertxc, Also Skint, suzanne_michels, give_me_it_back, RiaMac for all your advice and support and particularly to scotia and Candice (amosworks) who gave me so much help with my court claim form. See a more detailed history of my case over on the Scotland forum:- http://www.consumeractiongroup.co.uk/forum/scotland/5680-help-please-scotland-rbs.html megainstrbs xxx

Hello everyone, Well its been a fair journey but I DID IT! Yay me and thank you guys so much for all your help and support! After I posted the thread (above) on Tuesday morning - about 11am my mobile phone rings and its Mark, a lawyer from RBS:- Mark@RBS: "We understand you are having some problems with customer service and issues of charges from Royal Bank of Scotland" Me: "Yes" (sitting at Perth train station, caught unawares!) Mark@RBS: "We'd like to settle the matter by offering you a full refund of £743 + £39 court fee - only if you agree to keep this a secret" (Ha! Try and stop me!) Me: "Okay - but what about the 8% interest" (Jumping up and down!) Then follows a boring conversation where he ensures me he doesn't understand the 8% interest thing (yeah right, you have a law degree!) and he assures me it only adds up to £4.95 anyway. We argue back and forth for a while. Me: "I think you'll find its about another £100 on top of the £782 you already are repaying to me" Mark@RBS: "I'll need to calculate it and ring you back" Call No. 2 Mark@RBS: "Well thank you for that thankless task" (Talking about calculating the interest - and yes, those were his actual words) "You are due £884.62" which includes £102.62 of interest" Me: "Thank you and when will I see this money" Mark@RBS: "It'll be paid into your account today" It appeared in my account on Thursday! And for the first time in 8 years, my bank account was in credit and due to stay that way for the future! My overdraft was £850 so I just paid this all off, paid a little bit off the Barclaycard and had a bottle of cheap plonk! For anyone who is considering reclaiming bank charges - go for it! PM me if you need any help (particularly in Scotland) or are claiming against RBS. I have filled in the CAG survey - but its really geared (in the stages bit) towards people who have claimed in England so my answers were a bit skewed - but its filled in all the same! Thank you to Ewan, cowlie, deemacperth, babes66, wintermare, Jamboray, setonsteele8977, ajs444, Robertxc, Also Skint, suzanne_michels, give_me_it_back, RiaMac for all your advice and support and particularly to scotia and Candice (amosworks) who gave me so much help with my court claim form. megainstrbs xxx

Thank you! Been crazy at work - but full update coming on my thread very soon! Watch out for it! meagainstrbs

Hello, The limit is £750 - NOT INCLUDING court fees and interest. Mine was £743 + £39 court fee + 8% interest from date of each charge - making it £884.62. meagainstrbs

Hey everyone, Phoned the court this morning (yesterday was return day) and the bank have not submitted a response so I have won by default - yay! However, all is not so simple. According to the (not helpful in the slightest) ladies at Haddington Sheriff Court, I have to return Form 11 by Thursday (fine). 14 days after this, they will send me an extract decree. I photocopy this and send to my bank with a covering letter stipulating time period in which I request repayment by. Send this recorded delivery. Then I expect the bank to pay within the time limit. If they do not, then I can get the courts reinvolved. Ok - has anyone else been in this position and had to go through this protracted process? The one thing the (frankly quite horrible) lady did say to me, was that there is no certainty of getting my money back - WTF? Surely if I win by default, that's the whole point!?? I would have also expected them to help more with the recovery of the money - please - can anyone give me any advice/help/support who has been through this process? Thank you so much meagainstrbs