Hi Pete, I read with interest some of your comments with interest.I have been moaning to RBS since 2009about the whole messy business and currently intend to do the FOS thing via a lawyer who has won several cases there,I might simulaneously go the much longer legal route which takes much longer nut of course there will be caselaw by the time it arrives in court. I wondered if I might ask you for any update of the overall postion with these things and how folks are getting on with their battles and also wheter I might join an action / class action group perhaps. Best wishes and thanks for any guidance James