Thanks both! I'll take the CCA route and keep you posted. Many thanks for your help.

Hi mrsc, and thanks for your swift reply! No, I haven't sent a S.A.R. What is it and how do I do it?

Hello fellow strugglers, Due to my current circumstances, I am unable to pay anything each month to cover the interest on 3 credit cards, and cannot foresee any 'easing' of the situation at all. Fortunately, I have been able to cash-in a personal pension and receive a cash lump sum. I offered each credit card company a 'share' of the cash, on a pro-rata basis, as full and final settlement - equating to approximately 22% of the total amount outstanding on each account. They have each declined my offer. What can I do now? I have no other means of settling these debts.

I went straight for the throat and sent the standard 'Letter Before Action' (dated 18th May) to RBS Business Banking Direct as a Director of my Limited Company to reclaim £375.20, including interest. I received this reply today: Thank you for your letter dated the 18th of May. I have noted your comments regarding charges and would remind you of the Terms & Conditions of the Business Banking Direct Current Account. It is not a relationship managed account and therefore is your responsibility to ensure sufficient cleared funds are available to meet any items presented for payment. Similarly if you have instructed the Bank to debit your account for any standing orders and direct debits, then cleared funds should be available. In the past we have on occasion appealed to our Business Lending Unit on your behalf to have items paid when insufficient funds are available and this causes the account to go overdrawn. This also prevents any embarrassment to yourself by having items returned unpaid. The resultant referral charges for the account are highlighted on the enclosed tariff. On this occasion only we are refunding £90.00 of the charges. No further refunds will be given and we will not be appealing any items on your behalf. All items will be returned unpaid if funds are not available with the charge of £35 per item. Please do not hesitate blah, blah, blah... Does the refunding of £90 constitute an admission of guilt? Should I reply to this letter? If so, what do you suggest I say? Or shall i simply press on with a CCO after expiry of the 14 days? Your suggestions would be greatly appreciated.