If it makes you feel any better, my Other Half's RBS C/C has been in order for about 6 months or so. We're currently claiming back a whole £60 from them (every penny counts!) - not alot when you consider the amounts some people are claiming. Anyway, last month his current account (not RBS) cancelled his min payment D/D (Grrrrrrr!) and before he even got his next statement he had a letter from a debt collection company regarding the 'mis-management' of his account, saying they would take over collection of the debt if it happened again, and a letter from RBS reducing the limit on his card by about £500 to the outstanding amount! Its just scare tactics if you ask me. Or maybe they're trying to get rid of their more assertive customers!!!!!!