Also, I don't know if it's been mentioned before but under the FSA's rules, "any expression of dissatisfaction" made to a regulated firm must be handled in a specific way. So, if we all complain to RBS about the way in which they have acted as lenders to LFC, they will need to follow that process. The interesting bit is that if, after having followed that process, we do not feel they have answered our complaints satisfactorily, I believe we can insist they take it to the Financial Ombudsman Service. Now, I don't think this is going to achieve anything tangible other than put pressure on RBS because, for every referral to the FOS, they have to pay approx £500 as a case fee. The important thing is to make it clear in your complaint that you are voicing an "expression of dissatisfaction" and want the complaint to be handled as a regulated complaint. You don't even have to be a direct customer of RBS to complain. Hope that all made sense!