Smooth_groover Posted March 22, 2006 Report Share Posted March 22, 2006 Never done this before, tried to do it through the RBS website but the page won't open, so it looks like a trip to the branch later today. My question is, is it straight forward to do? Also, what ID (if any) do I need to bring along?I would phone the branch and ask but I can't be arsed LOLCheers, Craig Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 22, 2006 Report Share Posted March 22, 2006 I wish you better luck than I've ever had with the banks....the bastards wouldn't even give me my own money the other day, let alone a little sub....yet its fine for them to continually rip me off of about £100 in charges nearly every month Quote Link to comment Share on other sites More sharing options...
Spoonie Posted March 22, 2006 Report Share Posted March 22, 2006 wht do you get charged that amount of money each month for? have you ever appealed these charges?smooth_groover, if you're a student it's fine and if not, they might well look at your history. depending on how that is, you should be ok. /x Quote Link to comment Share on other sites More sharing options...
Paranoid Android Posted March 22, 2006 Report Share Posted March 22, 2006 If you're a student they will give it to you without a thought. Quote Link to comment Share on other sites More sharing options...
Smooth_groover Posted March 22, 2006 Author Report Share Posted March 22, 2006 Well here's where the plot thickens...I'm no longer a student, but my monthly wage still goes into my student account which I used 'back in the day' haha. Will this complicate things? Quote Link to comment Share on other sites More sharing options...
Camie Posted March 22, 2006 Report Share Posted March 22, 2006 Didn't you have an overdraft in your student account?They(The Bank Of Scotland) gave me one when I signed up for a student current account. Quote Link to comment Share on other sites More sharing options...
Uncle Mog Posted March 22, 2006 Report Share Posted March 22, 2006 I wish you better luck than I've ever had with the banks....the bastards wouldn't even give me my own money the other day' date=' let alone a little sub....yet its fine for them to continually rip me off of about 100 in charges nearly every month[/quote']Go here: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632I'm trying this to get charges back. I've been continually ripped off by RBS like you. The last few months have been really bad. I was off for a week ill and being a contractor didn't get paid. So phoned up the bank to extend my overdraft temporarily but they said they couldn't extend it at all. So my accounts went over the limit, got charged about 100 quid. The charges mean that its very hard to get back to within my limit cos as soon as I go over by a few quid for a couple of hours its another 40 quid charge. Hopefully the method in the link above will work though. Last week I got charged 35 quid twice for supposedly trying to use my maestro when I had no funds - complete crap. Bunch of ripoff merchants, no wonder they had an 11bn profit this year. Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 22, 2006 Report Share Posted March 22, 2006 wht do you get charged that amount of money each month for? have you ever appealed these charges?Because I have no overdraft or plasticash...and I don't know anyone in my position, bar the extremely wealthy, who survives without this.I also must subconciously speak chinese when I talk to banks as no one seems to understand a word I say. Quote Link to comment Share on other sites More sharing options...
666 Posted March 22, 2006 Report Share Posted March 22, 2006 you should take along as much as you can really, any form of ID such as a passport, a driving license and so on. but since you already have an account, you won't need ID, but you might ge?t asked some security questions along the lines of "what is you address?", "date of birth" or "you direct debit for *so and so* goes out of your account *in this frequency*, how much is it for?".but what you really will need is your LAST THREE payslips or statements showing a regular pay going into your account. and if you have just opened up an account, you'll have to wait until 3 payments have been made into your account. this has to be on a monthly basis. i'm not sure about other banks, but the RBS does not accept weekly payslips ie. three weeks is not enough. i know, i work for them go on son, get an overdraft! Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 22, 2006 Report Share Posted March 22, 2006 Fucking bankers! Quote Link to comment Share on other sites More sharing options...
Hog Posted March 22, 2006 Report Share Posted March 22, 2006 Go here: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760' date='24632[/url']I'm trying this to get charges back. I've been continually ripped off by RBS like you. The last few months have been really bad. I was off for a week ill and being a contractor didn't get paid. So phoned up the bank to extend my overdraft temporarily but they said they couldn't extend it at all. So my accounts went over the limit, got charged about 100 quid. The charges mean that its very hard to get back to within my limit cos as soon as I go over by a few quid for a couple of hours its another 40 quid charge. Hopefully the method in the link above will work though. Last week I got charged 35 quid twice for supposedly trying to use my maestro when I had no funds - complete crap. Bunch of ripoff merchants, no wonder they had an 11bn profit this year.I have my business account with RBS. I now totally regret changing to them. They basically made a balls up of everything. Regarding personal accounts, they really dont help if you go over your limit. 40 for going over your limit simply cannot cost them that amount in admin fees i.e. the computer realises you are over your limit so a letter is sent out. Surely this must cost around 1.RBS may be a big bank but they have totally lost touch with customer service. Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 22, 2006 Report Share Posted March 22, 2006 Sounds like them all!! Quote Link to comment Share on other sites More sharing options...
Smooth_groover Posted March 22, 2006 Author Report Share Posted March 22, 2006 Okay, got my overdraft - so I'm safe for the time being. Cheers, Craig. Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 22, 2006 Report Share Posted March 22, 2006 lucky bastard Quote Link to comment Share on other sites More sharing options...
666 Posted March 22, 2006 Report Share Posted March 22, 2006 Sounds like them all!!banks are not for you.... Quote Link to comment Share on other sites More sharing options...
Guest Hon Jonda Posted March 22, 2006 Report Share Posted March 22, 2006 Clydesdale - if you go over your overdraft limit you get 3 working days to replenish it Quote Link to comment Share on other sites More sharing options...
PrincessHolly Posted March 22, 2006 Report Share Posted March 22, 2006 I'm really surprised to hear that so many people have had problems with RBS. I've banked there my whole life and have never had any problems at all. Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 22, 2006 Report Share Posted March 22, 2006 banks are not for you....They will all be mine one day...after all... Quote Link to comment Share on other sites More sharing options...
Spoonie Posted March 23, 2006 Report Share Posted March 23, 2006 I'm really surprised to hear that so many people have had problems with RBS. I've banked there my whole life and have never had any problems at all.me too dudeand hog' date=' as for bank charges, we ran a campaign here at the glasgow university SRC and found that students here are paying about 1.2 million in charges, so there's a form letter available from our website here which can be used to challenge banks when you feel you've been charged too severely.and before it starts up, let's not have a massive slagging match about how students get it easy and how if you get charged it's your own fault, cos that's not what this thread needs. /x Quote Link to comment Share on other sites More sharing options...
threeornothing Posted March 23, 2006 Report Share Posted March 23, 2006 but.....students do get it too easy! Quote Link to comment Share on other sites More sharing options...
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