Right, got my statement copies the other day so it's time to get Excel out and get to work! Have a question tho. I have two accounts with the RBoS. The total of both is likely to be more than I can claim in a small claims or summary cause in the sheriff court so I figured I'd get more back that way. Am I better to total these up separately and raise two individual claims over them? Cheers Niall

Thanks for your reply, very helpful! I've had a look at the FAQs and at this point I have one further question. I read that by way of retaliation, the bank can close my accounts which may detrimentally affect my credit rating. I don't particularly want to keep my business with the RBoS and will seek to move my accounts to another bank regardless of any action involving refunding charges. In view of that, would I be as well to move my accounts elsewhere (i.e. find a bank that will move my overdrafts to my new accounts with them) before proceeding with a claim against the RBoS, with the aim of eliminating the risk of a damaged credit rating? If I do this, will that have any further consequences relating to my claim against the RBoS? Thanks again and thanks in advance, Niall

Hi all, Since April of this year I've been charged a total of just over £1,300 on my two RBoS current accounts. I've been reading on this site and a couple of others (possibly affiliated) about claiming these unfair charges back so I went to see my branch on Monday last week and explained that I felt the charges were unfair under the OFT regulations brought in in April this year. I got a letter on Wednesday which said that they're not prepared to refund any of the charges, I quote: Note that the grammar and punctuation mistakes in there appear exactly as they do in the letter! Something is a bit fishy about this. For a start, I didn't write to them, I went to see them in person. This makes the above look to me like a standard letter intended to put off the "have-a-go-Joes". The other thing is that basically I wanted to ask here, is what they say about these regulations being solely for credit card terms true? If it is then I guess I have no case but I did want to clarify whether or not this is just intended to put me off pursuing this. In short, do I proceed according to the step-by-step guide, and if so, given that I've been to see them and raised a concern already, at what point on the guide do I start? Thanks in advance for any advice, Niall