Long story short. After years arguing with RBSicon I took my complaint to the Ombudsmanicon. This was initially thrown out but I knew I was right so appealed and won. It's worth knowing that the Ombudsmans caseload is filtered by minions who know nothing about Financial Services and are clearly there just to deter people. Anyway the RBS had to refund charges, pay compensation etc but the main issue led to other financial problems which led to court action which led to my credit rating being stuffed. The FOS say they have no jurisdiction over the Courts so I need to take independent legal action. Does anyone know of a solicitors who will pursue the banks? Thanks