Thanks for the quick reply. Perhaps we should set up a consumer group bank, no over drafts and no only a very small running cost charge. Every process involves a cost, so the more processes the more charges the banks can apply. RBS should reduce advertising and sponsorships at major events and focus expenditure of reducing their customers costs. Where can I find the consumer and the business letters so I can claim for both account refunds. The charge in my personal account amounted to the region of £2500 when I was very ill back in 1998. The loan was to refinance my overdraft however I would only be granted the loan in condition with the banks insurance and at the certain borrowing interest rate. All I have done since 1998 is pay bank charges and pay interest and loans, twice refinance loans of £5000 to clear the overdraft of charges and interest, and pay interest on the loan from on the charges and interest, pay insurance on top all stemming from the initial bank charges . I have been for bank charges on top of interest on interest and insurance to the bank over 3 times the amount from their own charges. I has been like a carousel of debt payments. Can I go that far back even if my loan finished at the end of 2005 which include all the top up refinancing. What a mess but I was so vulnerable and unaware back then.

I have banked with RBS for almost 20 yrs. I asked for a small working overdraft for my new business of up to £1000 and although my money had gone into start up costs, the business was moving forward. The business way as brokerage service and cheques from the larger companies are always slightly longer than the 30 days however I was also paying out to suppliers. I was dealing with financially sound companies however the bank refused an overdraft and loans. The business manager was non existent and offered no start up support before he moved departments. What make me angry is not being offered a working overdraft of £1000 when the business turnover was £85,000 first year and profitable. There was no real risk it was important to manage and build up a reputation. However sometimes money in was not cleared prior to payments and therefore I ended up with bank charges from transactions. I totalled £1739 of bank charges in 3 years purely on transaction overlaps which I have been trying to get the bank to refund which it has clearly rejected. I am particularly angry with the refusal of a working overdraft of £1000 and yet the bank will charge me £660 in banking charges with declining cheques in my first year. this obviously did not help my reputation and word soon spread. Yes much is my own fault but there is no give or support with the Bank. I gained a poor personal credit 5 years before when I was off work for 9 months and charges accumulated which I then took a loan plus insurance out to pay charges. I was very ill and suffered major panic attacks during this time but was the only negative period with the bank. I can see no other reason and yet they want to conduct a credit search even for a £500 overdraft. Why are bank so difficult especially small businesses. I decided to change direction after detailed market research and will re brand and use the internet to leverage the business model with a greater focus on environmental resource efficiencies and wish to choose a bank with similar green credentials. If anyone has any advice with difficult bank on how to get these charges refunded and to start with a bank with a green focus please respond, many thanks.