Woo hoo. RBS have paid up £1,773. After initial problems of getting hold of bank statements, the time from preliminary letter for repayment to settlement was just over a month. Preliminary approach letter - 10 May RBS acknowledgement - 11 May Letter before action - 29 May RBS letter offering full amount as "gesture of goodwill" - received 2 June Acceptance of RBS offer - 4 June Cheque received - 14 June Many thanks for all the guidelines and help available on here. Have already recommended this site to my friends.

Thanks for your help. Will let you know how I get on.

Would be grateful for any advice. I am currently living in England but my RBS branch is in Scotland (RBS account now closed). I'm looking to reclaim charges of just over £2,000. Have sent 14 day letter to branch followed by letter today advising that I will be instructing court proceedings. Unsure which court I should raise my claim through.