Hi all Well nearly there, but want to be sure I get the interst claimed right, from reading round it seems as though that getting this right is critical as failing to do so gives the banks a potential get out of jail card My understanding is that I can claim the court interest rate of 8% from the date the unlawful charge occurred to the date of the judgement. Now I know I can calculate the interest from the date the charge was made to today's date, but how do you manage from today to the date of the hearing, is it calculated at the time of the judgement and added to the overall claim? If any of the above assumptions are incorrect please shout, alternatively if this is all detailed elsewhere, wpuld you kindly post a link? Thanks Gareth

CHeers, I intend to file this evening, so time will tell. I will be sure to keep everyone on the loop. For me the irony is that the reason I started off down this trail was that I went a few pounds over my OD limit for a matter of hours they stung me and they refused to refund it. So I said that if they would not refund I would go after all charges for the last 6 years, the rest is history. What I really wish is that I knew all this 12 years ago. In those days I was struggling financially, trying get a business running and being shafted by the bank at every turn. In that time period I would guess that the charges for a 6 year period would have been several thousand:-( More recently I have been good as a result of earning more than I need to spend, but I have a wife who has yet to grasp the concept of checking the balance before spending. This is almost exclusively how I racked up the £600 charges. Sorry for waffling! G.

That is brilliant Rory, thank you fo the pointer. I shall use this to fill in my N1. Regards G.

Hello all this is my first post. I must say I am blown away by the level of support on offer in here, the expertise and the camaraderie. I would like to say I have read everything around, but after 3hrs non stop I am verging on being brain dead:) If anyone can recommend any particular threads then I would appreciate it! I have calculated all the penalty charges levied against my account in the last 6 years, written to RBS, received a "we are looking into it" letter, replied saying not good enough, you have 14 days, and have heard nothing more. The 14 days are up and I was just about to issue a claim when I discovered this place. Whilst it is inspiring, I am also frightened about the prospect of the possible fun and games to come. The total charges are in the region of £600 and I have claimed a further c£80 interest (calculated at 8% court level) Despite the way RBOS are conducting themselves as evidenced in here I am determined to proceed. However, before I do so, I wanted to ask the assembled if there is anything I should do when filing the N1 that will make my life easier later? Thanks in anticipation G.