Toxic Royal Bank of Scotland is rotten to the core. It may be there are banks even worse than RBS, but if so, they are extremely rotten indeed.
Last February there was a fraudulent transaction on my account. The bank was notified immediately but they failed to do anything about it. Next thing I knew, the bank was claiming I owed them several hundred pounds. I did not, I owed them not a penny.
It took many phone calls, many hours to resolve a problem of the bank’s own making. I called their bluff, take me to court, I would love a judge to see how rotten and toxic is RBS. An investigation was carried out by an imbecile who got everything wrong.
More hours wasted talking to the bank. They finally admitted they had fucked up big time, I was due compensation, my account would be reset to where it was before the fraud took place, a new investigation would be carried out and I would get a copy of the report.
My account was reset, RBS renegaded on everything else.
This year, RBS claimed I owed them money!
How can I possibly owe money on an account I have not used since the fraudulent transaction last year?
A trip to the bank. A cashier looked, could not make any sense of how an unused account, that had been reset and was in credit, could be accruing charges.
It was way beyond his pay scale. He called on his line manager.
To her credit, she was very helpful. We spent the entire afternoon (another day wasted) on trying to resolve the matter. She wrote a report.
I have spoken with her several times since. She has heard nothing back, and yet I am getting letters saying I owe RBS several hundred pounds.
In the post this morning a letter from a cowboy outfit called Power2Contact, claiming to be authorised by RBS to contact me as according to RBS I am uncontactable!
If I am uncontactable by RBS, why am I any more contactable by Power2Contact?
RBS has never contacted me to say they have engaged Power2Contact. For all I know this could be a fraudster claiming to act for RBS. At no time have I given RBS permission to pass details of my account or address to a third party.
Power2Contact claim they will send one of their henchmen to visit me if I do not contact them within 3 days of the date of their letter. To do so would be harassment which is a criminal offence. Should any thug turn up they will be photographed, the police called and charges pressed for harassment.
Letter from Power2Contact dated 2 October 2012. Today 6 October 2012. By my reckoning their 3 days had passed before their letter even received.
One can visualise knuckles dragging on the floor of those who work for Power2Contact.
I am asked to call a premium rate number.
0845 308 8751
Why should I at my expense call a premium rate number to resolve problems of the bank’s own making?
It is claimed by Power2Contact that RBS has lost contact with me. Funny that, as only yesterday was I in the bank talking with the helpful young lady, who has still not had any response to her report and is appalled at what is going on.
I have checked out Power2Contact and it is as I suspect, a cowboy outfit with a reputation for harassing people.
Never reply to letters from companies like Power2Contact.
Should they turn up on your doorstep, do not engage in conversation do not hand over documents or money. Call the Police and make it clear you wish to file charges for harassment.
You may also wish to file a complaint with the FCA and the Information Commissioner.
The banks have been fined millions for bad practices, and yet still they have not learnt.
Rotten banks like RBS should not have been bailed out by the taxpayer. Iceland let its rotten banks go bust. The UK should have done the same.
For the existing banks, they should be broken up, casino banking should be separated from retail banking.