Rob S V RBS

[Rob S]

I am on the trail of RBS over a £12 late payment fee added to my most recent credit card statement. I didn't receive a statement in May from them so when I received my latest statement a couple of days ago, it showed up an outstanding amount of £16.64 carried over from May, plus my latest transactions and the late payment fee, and interest of £1.30 on the full outstanding amount. A penalty of £12 for an unpaid amount (through no fault of mine) of under £17 is absurd!

RBS contacted me yesterday and said they would refund the interest but not the late payment charge. I pointed out that it wasn't my fault the statement was not received, but they stated that the charge was "In their T's and C's" so it is legal. Isn't it amazing that they still try and trot out this line

So, the battle lines have been drawn and the template from CAG has been used and amended slightly and the letter was sent yesterday. Its only £12 and nothing like the figures some members of CAG have been charged, but its the principle. And I do like a good battle

[Josie8]

Send a CCA request while you're at it (remembering to enclose a 1.00 postal order made payable to them so its deemed cashed on receipt) by Special Delivery.

[Rob S]

I'm pleased to say the matter is resolved. I received a letter from the customer care team today who bizarrely told me that there was no record of any late payment fees ever having been added to my account. So I phoned up and spoke to a very helpful lady called Marion, one of the first line customer advisers, who looked into it and then told me that she would be removing the fee and refunding my account. She couldn't understand why this wasn't done in the first instance, given my very good conduct of my account.

So, a good result!

[Josie8]

Glad you're happy with the result