Hi to everyone Where do I begin ?. On behalf of my son I successfully reclaimed his bank charges back from RBOS. He then decided to open a new account with Abbey National and set up all his direct debits to come of his new account. Everyone of them was transferred successfully except his bank loan with RBOS. Abbey advised him that to ensure the money went through in time for his loan he should change the payment date from the 1st of the month to the 5th but when he phoned RBOS to do this they said that because he was changing the payment date he would need to pay two months up front. He could not afford to do this. Then the saga begun the payment was late he incurred a charge the loan wasn't paid and it has just gone on and on from there. He stopped paying any money into the account,he tried to close the account and was told that he couldn't because he owed them money and so every month another charge is added on. At present he has asked that the outstanding payments be added to his loan over the term but the only way they will agee to this is if he adds on the charges as well (£445) can anyone please advise me what my next step should be. very worried Daviesmum :-(