No I'm back in Scotland for the summer, so theres no problem there, as you can see the amount I'm claiming is compartively small anyway (though I still feel its worth pursuing). Anyway, now I have a line of contact with Mr. McLean, I'm going to address it directly to him - it may just end up in confusion if I started by sending letters to the customer services department and then switch to sending them to my local branch... Cheers for you support, caro

Aha, the postie has just been, delivering a letter from Mr. Tommy McLean - seems to be the typical fob off letter, although it does have an added paragraph that says: "I am dissapointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any Proceedings are served on our Registered Office address, which appears at the foot of this letter. I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and trouble to contact us." Don't think I've seen that part before on any of the letters posted? Anyway - I'm going to send off the LBA later today, but I just thought I'd double check where? Back to the same freepost address, the address stated in the fob off letter (recorded delivery and addressed to Tommy McLean?), my branch or the Registered Address letter stated at the foot of the letter? Cheers for all your help guys...

Right then, their two weeks is up and I've heard no response, so I'm going to send off the LBA. The only thing I'm worried about is the first letter was sent to the RBS Head Office Customer Relations address (the Freepost one thats listed on here/on RBS website) - should I have sent it to my local branch, or should it not make a difference? If they have received it, I'm a bit dissapointed to have heard nothing to be honest, thats really shoddy customer services to simply ignore letters.

No hes been retired for a good few years now, though he still keeps in touch with old colleauges from the branches he managed. He won't be looking at the site, so don't worry, I don't think hes particularly bothered as long as I don't land myself into any legal/financial complications as a result of this...

First of all, I'd like to say hello to you all, I registered about a week ago but have just been too busy to post. I've been a customer with the RBS for the last 10 years (my dad was a bank manager, so I didn't really have much say in who I went with!), and I've had a student account with them for the last 5 (while I've been studying in Newcastle) - I found a link to your website, and intrigued I dug out all my old statements and went through them - it turns out they've had £390 in charges in the time I've had the account (£180 in service charges and £210 in charges for exceeding my OD limit [invariably when I was buying food before my loan cheques came in], or "card misuse" charges). So, I've sent off the preliminary letter (my dad doesn't really know what to make of the whole situation!) with an added paragraph about how I feel outraged that they could bring these charges onto a student account when the cost of gaining an education these days is so high (which I think is fair). Its been a week now and I've heard nothing, but I'll let you know how I get on as things progress - if I'm being honest, I'm a little daunted at the thought of having to attend court, but I guess I'll cross that bridge when I come to it (I just hope it doesn't get that far!).