Tuesday 3 December 2013

RBS customers urged to react like RBS to an unauthorised overdraft


RBS customers who were unable to access their own money have this morning wondered if they should react to the situation like a bank addressing a customer spending money they didn’t have.

As many customers were left unable to use their accounts on one of the busiest online shopping days of the year, the subject of compensation has been mooted amongst those affected.

RBS customer Simon Williams explained, “It’s difficult to know what compensation I should receive without a clear precedent – something where someone had access to money that wasn’t theirs, and therefore prevented their rightful owner from spending it.”

“Fortunately for me, and millions like me, RBS have set a clear precedent for us, with their incredibly helpful fees and charges for unauthorised overdraft documentation.”

“It’s all very clear on their website what I would have to pay if I ever made the mistake that they have just made.  It’s £6 per day and £6 for each unpaid transaction, in case you were wondering.”

“That should make the compensation calculations pretty easy, right?”

“My card was refused 6 times yesterday, plus the per day fee of £6, so I think they owe me £42. I’ll take it in cash, thanks.”

RBS outage

RBS executives have reject the proposals, insisting the temporary glitch in their systems is very different to the temporary glitch of someone going over-budget in their spending.

As one explained, “Of course the situations are very different, in the case of an unauthorised overdraft someone is temporarily taking ownership of money that doesn’t belong to them, whilst in this case we merely took temporary ownership of money that didn’t belong to us.”

“I’m sure you’d agree the two situations are as different as chalk and cheese.”

“Please, just agree, my enormous bonus is riding on it.”

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