Hi guys, many thanks for taking the time to reply.

I've written to RBS and requested copies of all statements etc so I can tally up the amount of charges in total - was certainly hundreds of pounds a month for what seemed like forever. If the total fees charges is more than the default amount, do I have any recourse against them? At the same time, I fully admit that I got myself into the situation and if there's nothing I can do then I'll just have to take it on the chin and wait for the default to fall off eventually.

Honestly Andy, I can't remember. I became so sick of RBS after dozens of phone calls about the charges that eventually I just waved the white flag and gave up. I have a feeling that there was a charge for the account and there were various add ons. I could be mistaken however.

Good evening all,

I'm a long term lurker here, but this is the first time I've dared to write in....

Around 2010/11 I had a bad relationship breakdown which lead to the usual problems

as a result I got myself into a right financial tangle with about 8 defaults of various sizes and kinds.

I now have only 4 left, 3 of which are due to fall off within the next 5 months so I'm going to just leave them alone.

The last one won't fall off until September 2017 and is for circa £2,700 which was an overdraft with RBS.

I stopped using the account because I got sucked into a never ending cycle of charges and charges,

which amounted to hundreds of pounds a month.

I would say that total charges I paid over around 18 months would be very close to the default amount, if not exceed it.

My situation now is much improved,

I'm earning 60% more than I was, and considerably happier.

I have a new partner, and we're looking to buy our first house together.

This final RBS default is obviously a stumbling block though, and I'm not sure what I can do.

Any advice would be much appreciated,even if it is only to suck it up for the next 18 months!

Many thanks in advance,

Rob