An update to my previous post: I was on the limit of my agreed overdraft and today I got my wages paid in. But RBS has decided to take their "share". Just before my wages are paid in the add a "REFERRAL CHARGE" of £30 with which I go overdrawn, which implies another charge. I just finished my claim letter as per template one and just had to mmodify/add latest charges to it. Still waiting for my statutory credit report and will send letter ASAP. Opened another account on A&L. I feel anxious and realy angry. That makes me even more determined to chase them.

Hi, This is my first post here. I have never been happy for the ovedraft charges me and my partner have been suffering. Those charges are even more painfull as they tend to happen when my partner is off work and we are financially weaker. The reason I decided to join this forum and challenge RBS is what happened a week ago. I had a DD coming for which i had money to cover but some switch payments I made 5 days before had not cleared from my account yet. When all of them came at the same time I was overdrawn three times and a further fourth and fifth time for something called Guarantee Card Payement(£105) + (£35) for going over agreed limit by another £1.38. I phoned them and they suggested visiting a branch, which I did and was told with extreeme politness to go f*** myself. That was it. I had enough. The first thing I did was just in case open another bank account on A&L where they match my overdraft limit. I am thinking on switching to them ASAP and my cuestion is if this could affect my claim in any way? I do have all past transactions and all info available, just don't want to deal with RBS any more. Thanks a lot!