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Still can't decide what to do! Have any of the members had their accounts closed by RBS or even threats of it ? Thanks in advance.

On the statements the RBS charges management time for administering the account when charges are applied. So some months I get stuffed twice!!!!

Yes the overdraft exceeds the charges. Thanks for the reply.

Ok I just want to make sure i understand this properly. I currently have a Royalties Gold and a business current account with RBS. Each has a mega overdraft and I have incurred lots of charges over the years.As I understand it I can claim back management time and referral charges plus interest to a max of £5000 in each claim for upto 6 years. I need the overdraft and doubt whether anyone will give me accounts with such large overdrafts. The charges amount to about £5000 on a quick add up. How likely is the RBS to demand the repayment of the overdrafts if I claim? Frankly I can't pay them so if I go ahead and they then demand repayment, where do I stand?