Hi friends, this is my first post.

While away looking after my mother that was sick, my home was broken inot and a cheque book and cheque guarantee card was stolen. I had no money in the account and did not intend to use the guarantee card so when it was delivered I did not sign and return the form they send to activate it.

Over a 3 day period over 3 thousand pounds was spend using cheques and the card putting the account into unauthorised overdraft. The first I found out about it was when I wend home found the devastation and a letter from the bank saying basically "we are not happy with your unauthorised overdraft"...... I immediately phoned the 24hr card reporting line who said, "your card was never activated so could not be used"......

I went to bank, reported it and a stop was put on account.......

I have written to them about it too but they still send monthly statements with added interest and charges.....

It appears that the RBS will pay out on a cheque backed up by a card which is never activated on the system! The bank statement showed "card misuse" beside every switch transaction but it still paid out! Nuts!

Hi Craigie and welcome to the site.

I think it may be wise to ensure you get everything in writing to the bank on this issue, just in case we need it as evidence later!

The bank should be taking steps to investigate this properly which I am sure should include a Police investigation - if you have not been made aware of such already, ask it in the letter you send.

Ideally, you should just outline the case as you see it and inform them that you are also unhappy to be receiving statements that essentially suggest you owe this money.

Also, state that you are quite happy to co-operate fully with any investigation and to give the Police a statement etc etc.

It can be very tempting to phone them, but try not to do this unless you can record the calls (you don't need to tell them)).

Good luck, and keep us informed about any developments.