I wrote a cheque for £20 for car juice, late on a Thursday night as my pay wasn't going to go into my account until the following day.

They charged me £35 for mis-use of card IMMEDIATELY, removing the money from my account in an instant.  This bank charge (not the cheque itself mind you) put me £5.66 over my overdraft.  For this honour, they charged me another £43.  All of this despite the fact that they knew I had money going in the following day.  On top of that, there is an administrative fee of £25 for their um...administration of my overdraft which THEY CAUSED!  In total, that little cheque for £20 has cost me £100, just in bank charges which as they have taken them out of my account immediately, has once again left me short and back over my overdraft for which they have charged me another £43.  As a result of this further honour, I have been unable to pay my rent by standing order, which I have NOT missed for the last 5 years!  Because they refused to pay my standing order, I have once again been charged for returned item another £35.  Bastards!

Which means that when next week's pay goes in, half of it will go straight to the bank again, leaving me once again back in overdraft for which they will just carry on fleecing me.  In the last few months of early 2008, they have taken in total over £500 of my hard earned money in charges alone immediately and with scant regard for the frivolous bills like rent, oil and electric, not to mention the extorionate council tax.  Bastards.

I spent the weekend on moneysavingexpert.com working out how much I have lost in bank charges over the statutory limitation period of 6 years.  Using a court interest calculator those bastards owe me £5,000 to date.  So come May 22nd when they have had time to reply to the fact that they haveALREADY been found guilty that bank charges are indeed unfair, I'm gonna take that money and shove it in a building society/ISA account where the bank will NEVER get its mitts on it again.  Furthermore, I will not have to pay the bastards the same high charges EVER again.  Bastards.

Did I mention that they are complete and utter, total bastards???  Name and shame...Royal Bank of Scotland - also known as bastards.