ok. i phoned up rbs to ask if their decision on my claim could be appealed, and i was told by a VERY polite lady that a settlement was due to be posted out to me on 17th july. I think I will wait to see how much it is for. If it is close to the true amount, I will accept and if it is way off, then I will start a fresh claim. Thanks!

I have done the 2 main letters citing my total refund amount as £2500 and I received a letter from RBS stating that they would not be refunding me anything. I have since looked over my charges again, and I realize that I added all my £10 monthly charges which I am not able to reclaim. My new total comes to £1844. What do I do now? Do I need to start a fresh claim and resend my bank statements without the £10 charges highlighted??? or do I just go forward as I would have done previously??? If its the latter...what do I do now? Do I need a solicitor? Can I make a formal claim online? I live in Scotland by the way! Any help would be greatly appreciated! Sarah x

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i am just adding up all my charges on my statements...i have the usual £30 for going over my overdraft, £20 for card misuse etc etc but i have a monthly charge of £10 if i am at all over my overdraft during that month. this happened quite a lot so should i add those to the total??? i am worried that if those 'small' charges are justifiable by the bank then the process may be prolonged. or will they just deduct those charges themselves? am a bit confused so any help would be brilliant! its with the royal bank of scotland btw. its a student account. xx