Thank you both very much.

Im new here,hello,Im with the Royal bank of scotland and get charged £40 every month for no reason really its just there charge they say,so how do you get them back?? i went here; Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more, and printed letter number 1 off is that the best way to start?? many thanks DD x Also do you send the letter to your local bank or head office??

Im new here,hello,Im with the Royal bank of scotland and get charged £40 every month for no reason really its just there charge they say,so how do you get them back?? i went here; Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more, and printed letter number 1 off is that the best way to start?? many thanks DD x