Dont panic!
I was in the same position as you a few months ago and it felt like the whole world was caving in. I would ask to see your bank manager to have a quiet word and explain your situation. Surely if he/she knew of your charges, and the fact they were stopping you from paying bills etc, he/she may understand. If not, at least you will have him/her in front of you to say "right then, you can stick your charges up your A.rse, i am going to reclaim them off you, you (edit) son of a bugger. HAHA.
Let me know how you get on!


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Sent my prelim letter to them on tuesday they should have it by now and im hoping for a reply very soon. I've been looking on here and am a bit downhearted as RBS seem to be the toughest to get money back from. I'm owed £382 since november last year, i should ask for all my statments since i started banking with them in august 2003 and get ALL those charges back and clear the overdraft and get OUT of that crap bank!!!!!!!!!!!The thing is i can't afford to pay for the bloody statements since they have ROBBED me!argghhhhhhh! Any words of encouragement are greatly appreciated!!! xx