Just got a call from RBS advising they have received my letter and will look into it and get back to me within the guidelines i had set down (14 days), so far so good. :idea: Also just a wee note: Instead of writing to the bank to ask for all my statements I just called and asked for them (dated back to 2001)....got them within a few days...may save some time for other customers, though I'm sure not all banks may accept this and ask you put it in writing!! ;-) Have been unable to continue as was planned due to unforseen circumstances, however I am now back on the case, 2nd letter sent today...and I am now going full speed ahead with the small claims action. To date I have been charged £2,982.00 and intend to recover every last penny!!!! I do realise however that i will have to raise 5 seperate acitons and because the law is different in Scotland it will be best to do these one at time.

Hi all, Today's the day, first letter sent 09/08/06, claiming £745, will keep you posted. Advice and tips especially from other RBOS customers will be greatly appreciated. Ciao for now.

I'm sending off the letter etc this week, I will post any developments when and if they happen.....thanks for all your help though!!!!

Cheers for that, I will. One last thing, I have bank statements instead of a charge sheet thingy......can I put all my bank charges, dates etc on to a spreadsheet and send that with my first letter??? I really doin't want to call them again and have to wait...

The same thing happend to me.......I went in to see the RBOS last year regarding the charges I had incurred which had left me with no money to live on...(they had took a total of £1000 in a 3 month period), through offering me hankies for my tears...they told me that they were looking for my overdraft to be paid back in full (£1200) and i could take out a loan to pay it....I told them I was practically on my knees and I was only in there to discuss the charges issue, they said I either took out the loan or they would take the money out of my salary that month......nice choice eh?...I was distraught by the time I had left the bank, they hounded me for days telling me that the offer was only there for a few more days....I had no choice, I signed the contract and took out the loan with every penny going to the bank...they refunded £250 out of the original £1000 when I wrote to head office...does that make me ineligable to claim the rest of my money back?....I haven't added up the rest of the years yet...but I'm sure it will add up to a few thousand pounds...I still get angry when I think of that day in their office....I am a lone parent with a mortgage and they had me by the *****. I still have 2 years left to pay on the loan!!! I received every bank statement for the last 5 years. and at a glance I have incurred a charge almost every month.