I am in desperate need of a copy of the terms and conditions of an RBS Student Royalties Account from 2006. I completed an honours degree, a post grad and will be doing my Masters in September. I have received a letter stating the T&C's have changed for the Student Royalties account and I now have to deposit 750 pounds every 3 months and make 9 debit transactions starting in October. There is no way I can do this. I have 2 children! Firstly does anyone have an old copy and secondly can a bank change an agreement just like that? Please help.