thanks breadline im gonna chase the bank tomorrow. I dont wanna be getting anything wrong or give the bank any excuses not to pay out! I read somewhere that because im doing it through the Summary Cause Im liable to pay legal fee's if I lose! fingers crossed i dont! lol...... lisa x

Thanks, No iv not sent my letter before action yet. I will try to get that set off within the next few days. I'll give the bank a call tomorrow and see how long iv had my royalties account and hopefully il get all the information put into a new spreadsheet. If i have to deduct the royalities charge then it will change the interest iv calculated each month!!!! bummer......... thanks again for your advice. Lisa x

Hi Everyone, I have a quick and possibly silly question to ask..... I had sent my Request for Repayment letter away and I received a letter form RBS basically telling me to go chase myself, that I wasnt getting my money back because their charges are fair. However im wondering if I should re-send this request because when I entered the charges into the spreadsheet I did not deduct the charges for my Royalties Account. Im not sure how long I have had the Royalties Account, should I phone the bank and ask them and then deduct these charges and put the information into a new spreadsheet and request repayment again? :? Or should I just fill in forms 1 & 1b for the Summary Cause Claim and alter the amount requested on they forms instead? :? My claim is for 1300 or there abouts hence the Summary Cause. I would really appreciate any advice on this as I really want to get this sorted asap! Thanks, Lisa x

Hi everyone, Im wondering if anyone can help me out. I received a letter from the infamous Mr Tommy McLean dated the 19th October basically telling me to get lost, they differ with the views expressed in my letter and im not getting a penny back! I now want to take them to court but when i went on the MoneyClaims online site, it says that i can only use it to make a claim if the address is in England or Wales. Both mine and the registered office of RBS are in Scotland. So i went onto the small claims court scotland site and found out that i can only claim up to £750!!! My claim is for £1387.37! What do i do and where do i go to do it! Please help - I want my money back! Lisa x