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  • #16
    Originally posted by Linda0704 View Post

    Yes that's what I thought!

    Did RBS give you any reason for reducing your overdraft limit facility when they did?

    It's hard to believe it was a co-incidence!

    Di
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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    • #17
      Originally posted by Linda0704 View Post

      Hi, I am afraid the RBS turned my claim down! Surprise! They did not accept it at all. I have changed to a Reward Account and then after about two months they have reduced my Overdraft Amount by half! My point had been that they gave me a great overdraft because I was a Platinum Account. They denied it but then went and reduced it because I am no longer paying! I have not referred to the Ombudsman yet. Not sure about it. What do you think Di?

      Have you now referred your NatWest packaged account complaint to the FOS?

      Mine is being investigated by them after being initially reject for being out of time because NatWest didn’t give them the ‘full facts’ .

      I challenged that with evidence so my complaint has now been reopened

      I think this may take some time to reach a conclusion . . . .

      Di
      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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      • #18
        when i changed from the packaged account, to just the Royalties account, they sent a letter saying they needed to discuss the overdraft, wanted me to phone them,
        i wrote to ask why they wanted to discuss it, after all they were happy to watch us struggle to pay it back for 15 years in a fee paying account, but suddenly after 8 month in a non fee account there was a problem.
        Asked for a written explanation of what the problem was with the overdraft, never did get one,
        they did write last year saying they were reducing it, if i wanted to keep it i was to let them know, as we don't use the account we let them reduce it.

        so i would say it is the same for you, you were paying for a bigger overdraft, at a preferential rate
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