New to the forums, and although I've read a fair bit over the last couple of days there's 2 things I'm not totally sure on before I go and send my data request letter to the Royal. 1) Who to send it to? Most people seem to be saying to send it to the branch - is this the best way to go? 2) How do I pay the £10 fee? I'm presuming the best way is to send a cheque, but who exactly do I make this out to? Just Royal Bank Of Scotland? Many, many thanks in advance

I've only recently become aware of being able to claim back my bank charges and the first (and, so far, only) bank I've done it with is with the Clydesdale. My claim went very smoothly actually - I didn't ask for all that was entitled to me, mainly because I wasn't aware of how much they'd charged me over the years and I couldn't be bothered to go down the whole data request route, but also because I wasn't totally confident it'd work. Anyway, I decided to put in a claim about a month ago after I received a letter from the bank saying they had charged me £35 to return a DD of £36 as paying it would have resulted in unauthorised borrowing - this really annoyed me as they wouldn't pay the £36 because I would go overdrawn, so charged me £35 instead which in itself put me overdrawn! I typed out a letter (this was before I became aware of this site and the very useful templates within) requesting that a total of £155 (going back 6 months) plus any charges resulting from the last charge be refunded. I stated that if they did not pay within 7 days I would be looking to claim back all charges from when I opened my account, plus interest. I sent the letter recorded delivery on the Monday morning. I checked my bank account on the Wednesday and was absolutely suprised to see that all charges I'd requested had been refunded, totalling £177.50!! I received a letter from my branch manager a few days letter stating that the charges had been refunded and if I did not reply within 8 weeks he'd consider the matter closed - as it was, I was quite happy with this. Last week I received a letter stating a £22.50 administration fee is to be applied on the 22nd June. This ****ed me off slightly, but not nearly as much as a couple of days later when I got another letter saying they'd returned a DD and would be charging me £35! Anyway, I left work this evening with the intention of typing out another letter and getting it sent. On the way, I thought I'd grab a mini-statement to get a better idea of my account situation. Once again I was surprised to see that the £35 charge they had taken had been refunded again the next day! I'm waiting now to see if they refund the charge they are taking on the 22nd. If they do, I wonder how long they will continue to refund charges...?