Update. 12/10/06. received standard "we believe our charges are fair etc" from a Tommy McLean, Consumer Relations Unit. ... LBA sent.

Unfortunately I'm in Scotland as is RBS (I assume) so it looks like small claims would be difficult if not impossible for this amount, has anyone tried claiming through a legal protection policy? I have one of these which is supposed to cover me for consumer issues - just a thought....

Just finished calculating what RBS have '*****' from me over the last 5 years. comes to £8642 - with interest at 8% - for my two accounts. is this some kind of record?

Initial letter sent today (5/10/06)

Hi, newbie to the group and would like to find out if anyone knows Cap One's latest policy on refunds?

I have just sent them my claim for £1500 Charges and interest over the last 5 years. I am concerned they might close my account and call in the debt - can they do this ? - I owe them considerably more but I'm determined not to let them away with it.

PS I notice they have recently reduced their charges to £12 in line with the OFT reccomendations.