Hii. I'm a Royal Bank of Scotland gold account holder. I left the uk in october 2009 (I informed my local branch and authorized a friend of mine to get full access to it while I'm away). I didn't leave an address where I was moving to as I had no one at the time. My friend informed them verbally in November 2009 of my new foreign address. As I had an overdraft on it to repay my remaining bills in the uk I didn't close it. Time passed by. Sometimes I deducted some money sometimes I transferred some. The last update I got from my friend regarding this matter was in november 2010. As I was under the impression my limit was 600 (it wasn't, it was 500 only. I admit this was my fault) and transferred eur 100 in january to my RBS account. I didn't pay to much attention to this matter. In May I transferred EUR 300 and was completely positive to get it cleared very soon. I asked my friend last week to contact the bank and ask for the correct limit she was told I was almost £800 in the red. I was shocked!!!! The bank argued with my friend and later on with me that I never informed them that I left the country otherwise they would have send me the statements!!! The funny thing is, in january 2011 I got my new debit card posted to me- to the foreign address. The address handwritten. I told them about this when I phoned them yesterday. The answer: yes, there was a "kind of mess up". But they insist on the total charge of more than £400 for march til may alone. Because they had no valid address of mine even they were able to send me the bloody card. Let alone the unreasonable amount, I'm so angry that they are arguing about the address issue. I know I have to clear the account in no time to get rid of it eventually. But is there any way to get the charges reimbursed? If I had known about the actual state of my account I would have reacted my quicker. Thanks a million in forehand