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Right, I have read all the FAQ's etc and I just wanted a bit of advice before I start sending out any letters. Basically about 2 years ago my University tried to take money out of my RBS account by mistake, this incurred a charge of £30 for a failed direct debit. So my account now stood at -£28 ish. I told the bank it was mistake by the university and I shouldn't be charged for a direct debit I had not authorised, but they had none of that and the charges stood (this was over the phone btw) So I wasn't gonna have that and just left it accumulating interest for ages at about £10 a month. Eventually a do gooder relative of mine pain off about £150 leaving £12 in the account, which I promptly took out. RBS then charged another £20 in interest making my account overdrawn again. After a couple of phone calls with no joy I gave up and was just gonna let it sit there. The account now stands at around -£250 (which they can whistle for cos I dont have it), so can I get everything back? I have had no problems with my other bank, they have been very helpfull but RBS have just tried to screw me out of every penny they can. Any advice would be very helpfull, Thanks.