I've two things to run against RBS if deemed rational.

No.1 They've written saying that I had made one or more withdrawals or payments from an account that I requested to be frozen so I could clear an overdraft. This has been proved to be patently untrue and I am tempted to have a go at the on grounds of harrasssment. Is that a starter?

No.2 I've noticed that they have changed the name of our joint account (the one I'm paying off the overdraft) from me and my wife to my disabled son and my wife. Not only has this not been either requested or agreed but my son is the one person in the house with an impeccable credit record. Does the fact that they have 'lumbered' him, on paper, with a large overdraft, without consultation,smack of libel?

Hi, I cannot see any rationale for harassment here, bad management and unfair practices certainly appear to exist.

I suggest you raise this in the first instance with Customer Relations Manager at the Branch Holding the accounts.

Try This sent recorded delivery.

RefXXXX XXXXX (list all the accounts affected.

FORMAL COMPLAINT/ Unauthorised Actions.

Dear Sir or Madam,

I write in answer to your letter dated xx xx xxxx regarding the fact withdrawals/transactions have taken place on account number xxxxxxxxxx which I had requested to be frozen to enable me to clear the overdraft on the account I totally refute that any such transactios were made or authorised by me at any time, this I believe you aware is untrue.

Also the bank has taken further unauthorised action on account No.xxxxxxx by removing my name from the account and substituting my sons name thereon,

this action was not at any time authorised by my son, my wife or myself, further more my so has no interest in this account and is not responsible for any overdraft or other liability regarding thid account.I now require you with immediate effect to restore the account(s) to the state they were in prior to the banks unauthorised

interference in my affairs.

I shall report this matter to the appropriate regulatory authorities if the bank does not comply with my wishes and or does not make suitable reparation for the time, trouble and anxiety caused to all concerned and especially some '' consideration'' should be given to my dis abledson who has been now shown to have a large

overdraft for which he has absolutely no liability.

Please note I reserve the right to take any action necessary to resolve this matter including but not limited to court action.

This letter has been sent by Royal Mail Recorded Deliver and receipt will be tracked.

Thank you Brigadier - of course I only illuminated the latest in a series of events that have occurred over 12 months. My reply already drafted almost mirrors your own, however, given preceding events that I have not highlighted, I remain convinced that there is more to their actions than "bad managment" per se.

As for "Customer Relations Manager " at branch level - well we ARE discussing the RBS!

Hi my recommendation is founded on the hard fact that if one wishes to escalate a complaint it is necessary to exhaust the banks complaints procedure which in turn shows any regulator you eventually complain to that you have endevoured to reach a conclusion prior to seeking adjudication.

If you wish to give me further data by pm I will answer if I can on open forum.

Point taken. I've currently a team of builders & other artizans around the place so don't know whether I've time to sort all the papers but if I can I will and NO I'm not bull*******g you.

If I thought there was any bull sh*t I have MOD tools available:madgrin: