Bank Charges Claim Advise Needed.

A question about : Bank Charges Claim Advise Needed.

Hello everyone.

For the last couple of years, I have had a terrible time with my bank. Getting into debt and constantly feeling like I was struggling to get my account in to the black every month - So I came accross Martin's Charges Claiming page.

So I did it, I went through all my statements from as far back as December 2011.

To my astonishment I counted a total of Ј786 in 'Unarranged overdraft charges', Ј90 in 'Returned Item Fee's', Ј72 in 'Arranged Overdraft Fees' and Ј36 in 'Unpaid Transaction Fees'.

I had also paid Ј298 for a monthly payment to my bank for services which I did not ever use or register the 'benefits' of such.

So using the tips on the website, I fired off a letter using the guides of the template, but with much more personal description of my own situation and how I felt it was unfair.

Because I noticed that the Monthly Account Fee seemed to be the cause of why I went in to an unarranged overdraft, I have added this on to the total of my claim.

All in all my claim is for Ј1,384.56 (Ј1,282 + 8% Interest). I have also received further charges since I sent the letter, and stated in the letter that any further charges because of my accumulated debt be added on.

So what has happened?

Well, the letter was received and signed for on 29th September, and I have not received an actual response to my letter (Nor acknowledgement)

What I have had however was a call from RBS regarding my money that I owe them (Bank is currently at -Ј560). Offering me to just pay Ј150 over several installments. I told the lady about my letter and she said she hadn't known about it and when I said I sent recorded and it was signed for she said the bank will say the same as her.

Long story short, I told her I want to see a reply to this letter. This was on the 6th November. She said she had put my account on hold for 28 days from that date. So that means I've got until the 3rd, what do I do next?

I appreciate any help and apologise if I haven't laid this out correctly. I have been worried about my accumulated debt and at times I seem to procrastinate on the subject.

Dougle.

Best answers:

• The bank will normally reply within a week. Seeing as it was almost 2 months ago, I would chase the bank complaints department.
  Quote:
• ^
  Missed that, sorry.
  In which case the OP may ask the FOS to assist now
• That is the reason for the un-arranged overdraft charges. When ever a bill or DD tried to come out it wouldn't because I had no money in and I had used my Ј100 overdraft.
  Only when the bank took their Ј10 would I then be -Ј110, and so the Ј6 a day or whatever charges happened.
  For several months I was paying between Ј90-Ј100 a month in charges.
  Interesting about the FOS, yes I have a signature to say it was received. So how would I go about that?
  Appreciate the advise.
  Dougle.
• Ok guys I've procrastinated on this.
  I'm going to write to the bank, sending a copy of my letter and a copy of the recorded delivery and signature.
  How should I go about the letter? As a complaint? Should I mention that I intend to get in contact with the FOS? Or am I better asking the bank what is going on?