Hi, Using the material from this site I sent 2 letters to RBS (Cardiff) The 1st was the 18th May, requesting a total of all charges to my 2 accounts (as I have had them for less than 6 years) and advising them thay have taken over £400 in charges since December 05 alone from one account. They responded pretty quickly with the usual letter of 'here's a goodwill gesture, if you take it you lose the right to ever question our charges again' and they credited one of the accounts with £114. I wrote a letter back on the 28th May stating that they could take the goodwill gesture back as I refused the offer, stating that the claim was still proceeding and also questioning why they hadn't sent my statement of charges as requested. I also requested a breakdown of their charges and the 'costs' I'd incurred to them by going over my OD limit occasionally. I got a letter back on the 9th June saying their offer will not be increased and advising me to go through the Financial Ombusdman if I wished to proceed further. No mention of my statement of charges or the charges breakdown. I left it for a while, for the 28 days to expire and to decide what to do next. I actually didn't realise how long I'd left it and now want to proceed. Should I contact them again for the statements? Or do you think that shock tactics would work better and that I should just file a case? Thing is I don't really have a case at the moment as I don't even know how much I'm entitled to claim back in charges! Any advice much appreciated K