FABULOUS!!! oh my god im so excited. Now one last question, i take it with the prelim letter, you need to attach a copy of all your statements highlighting the amount and the date of the charge? And where is the most effective place to send the letter, my branch, or the RBS head office? (actually that was two questions... )

ALSO, where can i find templates of how to structure my letter to the bank? Or is it better to construct my own?

Thanks missm. Does filing a money claim cost money to do? Getting into the courts and things sounds very dawnting, and scary...

Hi everyone, Im a new user to your site, and I'm very excited at me attacking the RBS for all the charges they have taken from me. While I've worked the total charges to be only 450 quid, this is so so so much money to me since I'm a poor student So, I am needing a few pointers on the process regarding my application to get back my money. I've gone through all my bank statements, and highlighted all of the unlawful charges the bank applied to me. I've also started a letter explaining my position and that i want MY money back. Do i post this letter to RBS head office? Or my local branch? Ive been reading through so many cases posted by others, and I'm left feeling slightly confused by all the lingo that is circulated (I.e. LBA?). Any chance anyone could clarify things with me? Thanks for reading my new thread!!!! Holly