And the punch line to that very hilarious joke is: You better sit down for this - Mr McEwan will be paid £1m a year plus £350,000 in lieu of a pension. http://news.sky.com/story/1148639/rbs-boss-mcewan-to-put-customers-first He even has the effrontery to mention the government bailing them out and how important they are to the UK.

I believe I was mi sold this as being necessary to cover my cards against online fraud when I was already disabled at the time before I applied for it ( I've been disabled since 2003 ) am I correct in assuming this , and if so has any one else had success in claiming back for these protection schemes ? thanks folks, mike UPDATE* Forgot to mention they in spite of no filling out their renewal forms they have just taken the money out of my account any way , is that even legal ??

Bit of background : I was out of work for over 18 months. We tried to work with RBS about not being able to make mortgage payments but they wouldn't respond. 2 years ago I got back into work and once we had got money coming in again we started making payments again (more than we needed to) and wrote to RBS about using the difference between the value of the house and the mortgage to absorb the arrears. Again there was a deafening silence from RBS ... but no notice of repossession. Fast forward to this August when we get a letter (dated the 6th but sent second class so it arrived on the 10th) from them saying we needed to make an offer of increased payment to avoid repossession. Having no idea how much they would want I phoned them and they said that if we made any offer over £984 it would be fine - we were paying £900 when the actual mortgage payment is approx £860 So we made an offer of £1000 a month from August 30th and actually increased the payment to that amount. We heard nothing back until 4th Sept when they wrote back saying that the offer wasn't enough and they has passed my account onto their solicitors. I phoned them to ask why given that they had told me that anything over £984 would be more than sufficient and I was told that it was because they had changed their rules and now all arrears have to be repaid within 2 years. As our revised payment wasn't going to do that they had passed it on but it would be for a suspended repossession order. I asked if they would provide that statement in writing as frankly RBS have been so unreliable I didn't actually believe them. Today I get a letter from their solicitors saying that they want to repossess the house. I phoned them and they basically said that RBS had not said anything like that. So I'm now filling in another financial income/expenditure form and hoping that they see sense. In March I had a mortgage statement showing that the outstanding balance on the mortgage was £131,082.65 with arrears of £14,751.94. The letter from the solicitors today shows the outstanding balance of my mortgage is £128,187.13 with arrears of £13,597.54 So in the space of 5 months I've reduced my mortgage by £2895 and the arrears by £1154. Should I put a letter explaining this in when I return the expenditure forms to the solicitors? Also what sort of position does this leave me in when it goes to court? Thanks. Steve

Hi, I had a account with RBS with NO overdraft facilities but it seems that they have charged me for returned cheques ( i think £76 per 2 cheques), paid out some direct debits even though there was no money in the account and without a overdraft arrangment. All this lead to a total debt of £493. They also charged me £30 default notice fee They have closed my account without letting me know and have defaulted me. Another thing, the statement also shows the following: (Date) 29/09/2009 - (Details) Transfer FROM SUSPENSE (paid in) 2.43 (Balance) £493.09 OD (Date) 30/09/2009 - (Details) Transfer BAL TO BBD FINCON (pain in) 493.09 (Balance) £0.00 OD Am not really sure what that means, does it means that there is no outstanding debt and what is BAL to FINCON? Can anyone please let me know if this can be challenged in any way?

A response received this afternoon after a complaint that, despite written request, and despite the law of the land, RBS refused to stop one of these RPA's. This has come from Stephen Hester's executive suite whatever that is. "For Wonga to be able to reclaim re-occuring transactions they must have authority from you as their customer to debit your card account. You must have therefore provided Wonga with the necessary information to do this. Therefore, the situation is that the bank cannot stop these payments, and in most cases, regular payments can be stopped by the customer telling the company taking the payments. Therefore you will need to contact Wonga directly in order to cancel the payments. If you owe them money, they will claim from your account, and if you do not owe them money, they will not. Please be aware that you will still be responsible for any money you owe Wonga". What next then chaps? And should I be letting other people see this, like Martin Lewis etc?

RBS are paying me £2002 from the missold ppi. Thanks to everyone here - esp dx100uk and all the other guys here - who pointed me in the right direction of getting a Subject access report at Lloyds tsb where I found my Lombard direct details. Its a success that I'm happy with - thanks everyone!!!

Hi All, first time poster on this wonderful site, and thanks for having me. Could I have your thoughts please, I had a RBS Advanta, which changed to a MINT credit card, on the application form, which was a mailshot leaflet. On the PPI section it said "Payment protection insurance is designed to protect your RBS Advanta Card payments in the event of death, accident, sickness or involuntary unemployment (including redudndancy) We strongly recommend you take out this cover" Would that class as it being sold. Many thanks for your replies

Hi everyone, I was checking my finances on-line and got logged out because I entered the details incorrectly. It said It takes 7 to 10 days before I can access my account on-line again. It said: "that I would be sent an Activation Code within a week or so". The problem is I have to send funds to a family member and I am unable to get out of the house much due to illness. Does it really take all that time to send this code? Is there any way of speeding this up? Thanks. Stephen.

Just had a look at my Direct Line loan offer dated 2001 - it has 0 (zero) against the Loan Payment Protection, but against Total Charge for Credit it has charged me £1,770! This took the original loan amount of £6,942 up to £8,712! I cannot remember anything about this, and certainly would have said no to PPI as any redundancy as a result of job loss would have taken care of this loan. Moorcroft took this debt over and a recent statement from them stated the amount of £1,770 was in fact under the title: Insurance Premium, rather than Charge for Credit. Can I claim this back?

I've SAR'd RBS as during the 1990s I had an RBS credit card, and since 1988 until now I've had a Natwest account. I received what they say is everything today. A list of screen prints listing my account details, and a short list of screen notes. And a list of 2 loan accounts I had with them which contained PPI. RBS sent a letter stating they can't find anything. Is this normally what is expected of them? Although the SAR 40 day limit is next Tuesday, I've called them and they say that's it. Surely there's a list of transactions, lots more notes (it's my main current account) and a considerable amount of data available? The stack of information I had from Capital One was 3 times as thick, and that only contained 3 years worth of information. Also, I know I had a loan account with Natwest in 1990/1991. I don't have details of it, apart from an approximate date and the amount of the loan. I was advised by my local branch that they still hold information on this account from 1990, but the SAR didn't go back this far. If they are still not able to locate this, can I estimate this based on the knowledge that I knew the loan amount, and suggest a reasonable PPI amount based on data available at the time? My SAR request contained the line suggested by DX in order to get them to deliver all types of information in whatever format, so I'm hoping that means I can demand information from a 'relevant filing system'. Does this mean I can get them to search microfiche or other data that may be held at a branch level? Regarding the RBS card account, how far back have people been able to get them to retrieve data from? I suspect they just don't want to search, but if it's a general rule that RBS don't have data from back then, I'll have to use the limited statement data I do have and estimate the amounts. A bit more information on this. Along with the limited information that RBS supplied, I also received a note advising of the loans that they could find. These were from 2002 and 1994, and gave the original loan amount along with the PPI amount. This also had contact details for NatWest's PPI complaint department. I called them to enquire as I was sure there was another loan. Just a 2 minute search by them, and I had the dates and details of a loan I took out in 1990 and paid off in 1994. They advised no PPI was on the loan, but what confuses me is the odd amount I apparently drew on the loan. The requested amount was £3136. I'm fairly sure that I would have taken out a round amount, £2500 or £2800 rings a bell. This seems to fit in with the other loan amounts, the amount drawn on these loans are a round amount. After a couple of other calls to other departments, it was advised to me that their Customer Lending Centre has an archive of old loan agreements going back 25+ years, and a letter to them should give me my agreements. I'm now waiting for this. The RBS MasterCard included a list of transactions going back to about 2001. Very conveniently for them they can't see any record of PPI being on the account - had they gone back just one statement from what they supplied PPI was charged prior to this. Has anybody had experience of RBS supplying older data than this? Although the SAR expired on Tuesday, I'm giving them a further week before I send the failed SAR letter. However, I'd like to be prepared for this. No doubt a number of people on here have had cause to SAR RBS. Do they normally provide a list of transactions and considerable more data than just a few screen prints of the account settings and a short selected summary of a few phone calls? I didn't specifically ask for a particular item. I used the SAR template letter on here along with DX's suggested modified line asking for everything.

Hi all, this is my first post and may be a bit long winded so please bear with me. I complained to RBS about PPI on the 21/04/13 on a Mint c/c that I took out in Dec 2003 and 8 wks later received a reply along these lines, You will be pleased to know I have finished my review into your concerns about your PPI. Your concerns are important to us. In the circumstances, as a goodwill gesture and without admission of liability the bank is prepared to make you the offer set out below. To cut a long story short they go on to offer me £888.62 broken down as follows... Refund of premiums paid between 13 Dec 03 and 13 Jan 09 £532.43 Compound interest on premiums based on unterest rate charged on c/c £93.61 Total £626.04 Gross interest @ FOS rate £328.23 Less tax at 20% £65.65 Net interest £262.58 Total offer £888.62. Now, I have only just paid off an outstanding balance of £105 which has been there since Jan 2009 (messy reasons, business going belly up, divorce etc) but not sure this is relevant! On receiving this offer I phoned RBS and asked for a breakdown as it was a bit confusing how they had calculated it and this week I received said breakdown which showed nothing but the premiums id paid each month, so after searching this site for relevant calculators I did my own calculation. Using the FOSCISheet v101 for the compound interest, at 18.9% APR it calculated it at £1757.88, lots more than the £93.61 RBS have offered. So today I phoned them again to point this out to them and a young lady told me I had 2 options if I didnt agree with their offer. 1/ Provide proof that I had paid more interest than they had offered, or 2/ Take it to the FSO. I asked how I could prove it and she told me to provide bank statements which would show the ammount of interest paid!!! When I pointed out that bank statements would only show the single ammount paid off against the card and wouldnt show interest, she just said take it to the FSO!!! Now my question is do I accept the offer of £888.62 or do I take it to the FSO based on the FSO spreadsheet calculation being so much higher than RBS offer? Any help and advice would be appreciated and again I apologise for the long post. Claygo

Hi I have an RBS Loan and am about 3 years into it. Last year due to drowning in other debts I came to an arangement with RBS to pay just £30pm instead of the normal £326pm. I have made all my payments with no issues but now that 6 month period has ended I know I cant go back to £326pm as this would leave us with very little to live on. In that time interest has still been added to the loan account and I feel it is getting out of control. Any help or advice greatly appreciated.

Hello I have seen loads on ppi but cannot find an answer to my dilemma . I have been lucky enough to be offered a compensation for a 7 year endowment mortgage which was mis sold alongside an misold assurance policy. They have made an offer of £5k and have mentioned some vague workings out against their comparisons for what they say I would have paid in a repayment mortage and insurance policy that would put me in the same situation. They suggested the fos would help me to see if there offer was reasonable or not but the fos service says they cannot do this unless they look at all the facts. The rbs offer says deal off if I go forward with the fos in terms of a claim. The trouble is their letter and workings out is very vague and does not say what comparative source they were comparing with my policy so I have no way of knowing whether this is a fair reflection of compensation or not. I don't know if its common place for them all to worked out a certain way from a source so that I can check what is being offered is fair or otherwise. I am new to this issue so would it be wrong of me to ask them for how they arrived at their figures of suggested compensation or should I just trust it will be right and go ahead. I have already discovered they did not include my costs for a new mortage I was forced to take out upon realising it was badly performing . Any sources of help to check out or advice if its fair to ask for how they worked it out would be great as I'm lost. Thanks again

I made a complaint to the Financial Ombudsman Service about RBS back in 2012. In the information they gave to the Financial Ombudsman Service it said they registered a default notices in August 2007 but on my credit file they have listed the default date as 31/10/07. Is it worth contacting them to have it removed immediately? any help is appreciated

Hello, sorry if this has been asked before, I cant find an answer anywhere. Around 1 year ago I submitted my PPi claims to RBS for my 4 bank loans and a still active credit card which was part successful, I won my loan PPi claims to the tune of £4,300 but at the time my credit card claim was rejected by the claims manager. At the time of claiming I told them that I had applied in branch for my credit card and the advisor filled in the application form for me advising me that it was in my best intrests to take the protection (I have also recently seen an application form from around the time I applied and it suggests on the application that PPi should be taken.) and that I had cancelled the PPi when the news broke about PPi mis-selling. When I received the rejection form it said that my application was a mail in application so I could not have applied in branch so my claim was stopped there, I left it at that because I had won on the other 4 claims but seeing the application form recently renewed my thought that I should'nt have left it at that. I am pretty sure that I was offered the card at the same time as refinancing a loan in branch and if the application was a mail in one as notified, it was the branch that mailed it as I have never applied for any credit outside of my bank. (13 year customer). I on Monday have sent in a CCA request to get a copy of my application form (which I think I only signed never filled in) to see if it is in my handwriting and find out if anything can be done. I still have full copies of the original claim and rejection letters along with enclosed terms and conditions but no copy of the application even though it was noted in the enclosed documents. My main issue is that it is too late to do anything about it. Is a year too long? i keep seeing 6 months for ombudsman help but nothing for appeals or re-applications. Any advice or knowledge of this would be most helpful. I can also scan and upload the docs if they are needed. Thanks for reading, Alex.

Hello all, Around two years ago I wrote to RBS attempting to negotiate a full and final settlement for an allegedly outstanding credit card account I had with them (in the region of £200, mostly charges) in return for removal of the default from my credit file. No harm in asking eh? Two years later, and after numerous letters backwards and forwards, (never received a reply to the initial letter) RBS are claiming they can not find my account details, and constantly send me letters asking for "more information," I've told them the credit card type, my name, address and date of birth, I can't really furnish them with anything else. It's now at the stage I'm receiving real letters from real people, I spoke to a Ms. Sahota last Friday who agreed it was unusual that I could not be found in RBS' records, but they had been updating my credit file... I moved house in August 2012, RBS have updated my credit file to reflect my new address, but claim that they can not find me on their computer What do I need to ask them now to get them to "put-up or shut-up"? Regards, Andy

Hi, Can anyone point me in the direction of the thread for the success case against RBS under BCOB? Or the news link. Each link I find seems to go nowhere. Cheers

Been having an epic SAR battle with RBS and finally got one offer on a £500 12 month loan I had in 2000, they have offered me £102 so not a great deal with 13 yrs interest ! They are being ridiculous around sending me breakdowns etc. Does this sound anywhere near right? Here is the breakdown: Refund of premium 54.58 Stat interest 60.10 less tax - 12.02 Offer 102.56 Shouldn't there be more interest????????? Still pushing for a breakdown and the agreements!!!

Hi , I am just about to drop this letter off in my local branch. Anyone have any advice before I do. I really am at my wits end as we have been in a debt management plan for the last six years. Only now are we debt free thanks to the mis selling of PPI but the RBS still seem to want more blood. Its the principal of the thing now!! The Manager Royal Bank of Scotland Xxxxxxxx xxxxxxxx 13 May 2013 Account Numbers - xxxxxxx, xxxxxxx, xxxxxxx Dear Sir/Madam, I am writing a letter of complaint over the way in which we have been treated over the years as a Royal Bank of Scotland Customer. We fully intend sending this complaint to the Financial Ombudsman Service depending on your reply. The “last straw” was a letter which we received on the 10th of may 2013. xxxxxxx xx. We paid off our account in full, including solicitors on 27 Nov 2012. Yet we have received a letter saying that the bank is pursuing us for 2 lots of solicitor’s fees after this date. We also have in our possession a letter from the solicitors instructing our file be closed dated 21st Nov 2012. The amount is for a paltry £53.16. Considering the thousands of pounds unfair charges, interest and Payment Protection which I have paid over the years it felt like one final kick in the Teeth from the illustrious (bailed out) Royal Bank of Scotland. I shall note a few of my complaints in no specific order but please review complaint as a whole as the problem seems to be endemic to the RBS. 1. Recieved Letter of Default the first time for account xxxxxxx on the 19th April 2007 (copy available if required) Recieved copy of notice to Default first time for account xxxxxxxx on the 19 April 2007 (copy available if required) These Defaults are still shown on my Credit File and are still having a detrimental effect on my credit score. Could you please remove at earliest opportunity as these are now expired as more than six years from date of default? Why have I continually received default notices for same accounts up to 2011 (copy available if required) Defaults may only be issued once on one account. 2. Prior to our going into serious Debt my wife and I were punished with an astonishing amount of Unfair Bank Charges. Alongside the seemingly perpetual Miss sold payment Protection (which we have now had refunded) Each Time we contacted the RBS because we were struggling a personal finance manager would convince us that a refinance loan was the answer to all our problems. “We were not aware at the time that a commission was paid to these employees on a target basis. Can you confirm this please? Due to the nature of my job up to 50% of my income was overtime which my wife and I always went to lengths to explain to your employee. At the time the person selling the loans always suggested that we put the larger amount on our applications. With hindsight I always felt rather uncomfortable with this but considering our worsening financial position was in no position to resist as your finance manager obviously knew best. I now realise that due to the banks policies of meeting targets I was the victim of irresponsible lending by your establishment. Unfair Bank Charges from January 2007 – May 2008 = £2732.00 (17 Month Period) I would also like to point out that previous to this period the charges are not much better. My wife and I really were quite a good source of income for the RBS while it lasted. 3. It was January 2007 that I finally faced the truth about my financial affairs as I simply could not handle the unfair charges any longer. I went to a Debt management Company by the name of Payplan. “This is a Company which the RBS endorses on all your Debt Advice Literature even to this Day.” We tried to be as cooperative as possible at this time as we always intended and now have, to pay all our creditors. The RBS seemed to go out of its way to be as threatening as possible. We followed Payplans instructions religiously and contacted all our creditors, except the RBS as instructed by Paylan who are “endorsed by the RBS. We paid as much as possible to our creditors after completing a an income and expenditure sheet but the RBS continued to add unfair charges, interest and then solicitors fees after taking us to court a year later. (We had not missed a payment through Payplan). All through the difficult times my wife and I never missed one mortgage payment. 4. Recieved a letter from RBS on 19 April 2007 which seemed typical at the time but scared my wife and I witless. It was a demand for immediate payment of £853083.80. If we were lucky our house was only worth £100000!! This scale of incompetence as it seems now was what constituted to our situation in the first place!! (A copy is available if required) 5. Although we never missed a payment on our mortgage we reached a stage where I was not working full time due to the weather and requested a payment holiday on my mortgage. As this was a repayment mortgage this was an agreed option when we took the mortgage. This was only for a month to help out but was refused on the ground of our other accounts. Another incidence of not interested in helping. “We stll managed to keep up payments but my family suffered.” I really did not intend making any complaints to the RBS after the PPI scandal but as I have said the pathetic attempt to elicit another paltry amount from my family really does make me angry. The misery that your rotten institution has caused my family over the years does not bear thinking about. We do realise that we must take some of the blame but your bank as far as we are concerned should accept responsibility where due for its irresponsible lending. I would like all my charges and interest paid for charges returned, to put me in a position to which I would be if I had not paid them. I Have all paperwork and statements to prove any claims which I have made. I await your response and I shall be contacting the Ombudsman if not satisfied. Xxxxxxxx xxxxxxxxx Thanks for your help

Hi All just a bit of advice please I have tried to claim bank charges back from RBS on a personal and a business account under the hardship rules as been off work injured for a while and am now having to sell my home the charges are all refferal fees and total some 3K I am going to take it to the fob is it possible to put these accounts in to dispute while the fobs look at the complaint and will this stop intrest. Thanks CB

Hi All, I have been fighting with RBS for over 6 years for bank charges. I am now at the point where I want to take them to court over these charges and want to know if you think I have a case. In 2010 they sent me a letter saying that I was not in financial hardship because I had understated my income which I believe was an error on their part as my salary was not paid into an RBS account so therefore they would not have known what my salary was and because I can also prove that this was my salary at the time. Further to this when I took my case to the FOS RBS advised them that they had been sympathetic to my circumstances as they had reduced the payments on my loan with them when in fact the payments were originally reduced as I had cancelled insurance which I believed to have been misold and subsequently this PPI was refunded to me. My loan payments were then reduced further as they took me to court over non payment of my loan due to my financial hardship. They would not accept my offer of £150 a month reduced monthly payments but when they took me to court they accepted this same amount. I have been back and forth with the bank and been fobbed off with the standard letters and I was even told when I asked for a call back from a manager that all the letters I was receiving saying that they were still gathering information were incorrect as each time my case had not even been assigned to anyone to look at. Any help or advice greatly appreciated. Thanks

I've had a letter from RBS headed "Information regarding an account you may have previously held with us". It says they are writing in relation to an account which "you may have held with us in the past and is now closed", and goes on to read, "There is a possibility we owe you a refund on this account which we would like to discuss with you", and goes on to provide phone number and contact details. Now the thing is I did have an account but effectively abandoned it after it went overdrawn following a direct debit which was taken out a day early, and after the bank refused to repay and I refused to pay the money in to cover the o/d, they continued to add charge after charge and the last I heard it was around £800 overdrawn, all of which were charges. This was around 6 years ago so it could be statute barred by now anyway but I have no records and have since moved house. Question is, is this a ploy by RBS to try to confirm that they have "found" me so that they can (try to) pursue me for the debt rather than offer me a refund? Has anybody else had a similar letter? It's come from the "Customer Refund Team", Chatham in Kent.

Good afternoon fellow Caggers. I need some advice please. My wife and I have two instant cash isa's with RBS. In march this year we decided to transfer them to Santader as the interest rate was (marginally) better. We signed all the relevant paperwork in our local Santander Branch. We do not have a local RBS branch. We received letters confirming that the transfer was being dealt with and all the new details were sent to us by post. On-line banking facility cards etc. So we assumed that everything was in order. We then received a letter from Santander saying the isa's couldn't be transfered as the account(s) were closed!!!!!!!!!!!!!!!!!!! We then went into the local Santander Branch and told them that this was in effect inncorrect and instructed them to proceed with the transfer. We have had numerous telephone conversations with Santander and RBS who confirmed the isa's were ther and could be withdrawn anytime we wanted. Santander then rang us following a conversation they had had with RBS isa team who told us 1. My wifes isa had been transfered or blocked!!!! 2. The terms of my isa had been 'breached' and was not available for transfer. WHAT IS THAT ALL ABOUT??? Our isa's are instant access accounts. What are RBS playing at and what is my immediate recourse? Santander want our business, have assured us we will not lose out on any interest payable. I am awaiting a call back from RBS. Any advice, assistance etc would be greatly appreciated. Many thanks

I had a £5000 loan with RBS taken out in 2000,I got into difficulty and started a DMP with CCCS. Through the DMP i had paid RBS nearly £4000 + what I paid them before going on the DMP and yet last year I had a statement from them saying I owed over £8000. I decided that I needed to do something about it and sent RBS a SAR,which the 40 days are now up,without any reply. I'm pretty sure PPI was added to the intitial loan which was just over £1000 which meant I actually borrowed £6000+. How long should I wait before sending the failed SAR letter. Valk97

Hi, Just a quick query but a little long winded. Got an basic account with RBS back in 2007. I handled the account well, never going overdrawn or anything like that. I decided I was going to move abroad and moved late April 2009. I changed my address with all organisations to my parents address before I moved. I remember going into my branch of RBS and asking for a change of address. They asked me to fill in a form which I did and handed back to them. I have recently moved back to the UK and having done a credit check can see that I have defaulted on this account. The account defaulted in August 2009. I asked my parents if they received any mail from RBS to which their reply was none. Having looked further into it, the address on the credit file for the default is the old address. It looks like it was never changed. My questions are: 1) If I pay the amount owing, can I have the default removed as I have no knowledge of the default. 2) How would I go about challenging the balance owed, and if I challenged it, would it add to the time the default will show on my account. Thanks in advance