Thankyou all for your help - I got a call from RBS today saying that they are refunding all of the charges to the account and closing it. Must have realised that it was all there fault! I know what to do the next time one of them messes up! Thanks.

I received a letter from RBS collections Centre a few days ago of a formal notice to file a Default. This came as quite a shock as I have not used this account for around 2 years. My account had been upgraded to a £6 per month Royalties account, (first I had hear of this) which took the account overdrawn in April this year, the charges from this have increased to £377.11 since then. If I want to find out when the account was upgraded I have to pay for extra Statements to be sent to me as they only keep electronic records in Branch for 12 months. I have not heard anything from them regarding the account going overdrawn, any of the charges, or even received any statements from them for as long as I can remember. They do have the correct address on file with them. They are currently "looking into the situation" but cannot give me any guarantees that the dispute will be satisfied either way before the Collections Centre file the Default. Can they do this? (I will not let it go as far as receiving a Default - and will begrudgingly pay the charges). Could I have signed something when the account was opened that enabled them to upgrade the account after a certain amount of time? (Although I was very young at the time the account opened). I am worried that I may have signed something at some point not really aware of what I was signing! Any help would be really appreciated.