RBS

[Robertxc]

You may well find that if you break the amounts up to keep them in small claims RBS will get the message and do a deal to get rid of the whole thing. I must say though, £15k in three years is a hell of a lot of charges! I think it's important that you pick your moves very carefully, and don't agree to anything they propose without thinking long and hard.

 

Do you have an overdraft or loans which exceed the amount of the charges? If so, then you need to be ready for the fact that they will almost certainly terminate your account if they're forced to hand back that much dosh.

 

It's not clear from your posts which part of the country you're from. If you're in Scotland, the small claims limit is £750, not £5k.

[Robertxc]

The charges are unlawful, full stop. Doesn't matter if it's business or personal, or how many times it's presented.

[Robertxc]

I don't think they can terminate your account just like that. You do have a contract with them and refusing to accept their unlawful terms doesn't entitle them to tear it up. I suggest you contact Bankfodder about this - he seems to know a lot about it.

[Robertxc]

Tedblue, you need to set up a basic bank account imediately and make sure all your income goes into it, rather than RBS. You need to get your alternative banking set up before they terminate your account. Do a Google search for "Basic bank account comparison" which will bring up a number of website showing how different accounts work, and what the criteria are for opening them. You'll be in a much better position to deal with RBS once they no longer have the ability to take your money whenever they feel like it.

 

My wife and I manage quite happily with just two basic accounts - one for all the bills, and one for 'spending' money. No borrowing. No hassles. Banks can go f**k themselves.

[Robertxc]

Don't lose heart, you have a lot of support here-from good men enabling others to do the right thing.

Don't forget the women