I have been with RBS for 17 years and have always had a great service from staff in the branches. Recently I have had a lot of problems with RBS regarding charges added to my account mounting up to over £300 monthly. Due to insufficient funds for their charges RBS kept my wages and made me pay £35 every week to receive them! My car insurance also came out of that account and I asked if I put money in for that would the direct debit get paid and was told yes. I then then received a letter from my insurance company telling me it had not been paid and I would receive a late payment charge. I called RBS and explained the situation and got a mouth full of cheek from the member of staff. I then wrote a letter of complaint 5 months ago which was meant to be dealt with within 28 days and I am still waiting on a reply. My advice to anyone is DO NOT BECOME A CUSTOMER OF RBS.