Well I wrote to them earlier this week threatening to complain to FOS, but today I came home to a letter from a Sandy Watt in Edinburgh stating that they have, "received my letter regarding charges applied to my account and are currently considering my claim and will respond as soon as possible" So fingers crossed that they may make an offer , or am I just being overly optimistic........

Don't worry about the big gaps, I know what its like doing nights offshore ! I used one of the spreadsheets available online, but the total of £3247 is just the charges total, no interest added at all. If I add in the calculated interest the total is £3907.

£3247 I'd added it up wrong at first.

I'm at a loss to know what my next move should be though , it dosen't seem like I've got much to threaten them with due to the amount I'm claiming they owe me, compared to what I can chase in the courts:confused:

I had actually included contractural interest in my calculations, but I'd certainly be only too happy to settle for an offer close to the amout without this figure included. What kind of time limit do you think I should expect, I sent them my letter with the total I thought was due to me on 20th March, but asked for a reply in 14 days (which I haven't received), and I was about to threaten them with court action.

Hi, I'm just about to start the process of claiming back my charges. My total, with interest, stands at £3310, but I have been led to believe that the maximum claim through the Scottish small claims court is £750. Is this correct? If this is the case, am I stuck or can I claim each year back as a seperate action?

Hi, just joined after seeing the news this morning. I reckon my bank (RBS) must have charged me thousands in the last 6 years ! I'm alright now but up to about a year ago I was regularly getting charged between £20- £80, once they even charged me £120 . Would love to be able to give them a bit of thier own medicine, so I will be reading up quite a bit in the next few days. I hope this site proves to be useful. Regards