Hehehee - seriously, you think you can argue that everything's fine and dandy at RBS? How about money laundering at HBOS, is that just a minor matter too? LIBOR? PPI? Endowments? If nothing dodgy was going on, why are banks having to compensate people - out of the goodness of their heart? That's astonishing complacency.
The only reason I never had PPI was that I worked for a consumer watchdog and knew it was dodgy. I had to resist attempts to sell it every time I bought a relevant product. Most people didn't know any better, or were even tricked into it by not having it pointed out to them.
I'm also aware of one salesperson forging my MIL's signature on a credit application. A confused lady in her 70s. This shyster sat in her home, unknown to us, and convinced her to have unnecessary work done AND take out a credit agreement. One that she wasn't qualified for - I saw the form and not only was it forged, it said overtly that you had to be in employment. She had been a pensioner for more than a decade. Her DOB was on the form, FFS.
The bank's finance department had the cheek to chase her for the money, sending a series of threatening letters. The salesperson was in the wrong but the bank was just as bad, knowingly defrauding a vulnerable elderly lady.