Hi ,I've just joined , What a wonderfull world this is ( CAG ) , I've just posted my first letter to the RBS, and had no response, well there's a surprise !!. I have taken many people to the small claims court, my accountants, solicitor, builder and a previous bank, its exilerating, I hope the RBS ALLOW me to take them to court, please !!. Not sure how much of MY hard earned money they have taken off me , but whatever it is it will go toward my Xmas fund, and I'll pop a little into comic relief . Don't be put off if you have to appear at small claims court , just be prepared statements , schedule of charges etc etc, personally I would place an action on my local branch , should you have to attend court you want it to be local, not be travelling great distances, although you can claim expenses against the bank (must be done at action time )for attending court. Consider it good experience for the next one!!. I dohope there's a next one,.......I'll keep you posted on how I progress, What a wonderfull world this is,.............( keep it up CAG ) I will enjoy!

Welcome and good luck, my claim involves the Limitation Act 1980 and yes your right it is a experience attending a hearing, i was in court on the 6th Nov with RBS this has been adjourned to the 11 Jan.

I don't think anyone will get the chance to take the banks on in court if it doesn't involve the Limitation Act because they no they're on a loser, pitty.

Out with my daughter and her Hubby last weekend , mentioned the CAG and action aginst RBS, they have had lots of problems with banks and charges. Pointed them in the direction of CAG, and will encourage them to start an action, and if need be help them on thier way. Have now forwarded request for charges to Halifax account we've had for some time , again not sure wahat charges applied but , worth a try, after all its my money.Mike D:D

As yet not heard anything from RBS , no surprises there . So telephoned to make sure they have received my hand delivered letter , yes they have , and it has been forwarded to the department that deals with " THOSE SORT OF THINGS" I'll keep waiting.