I bank with RBS. They are shit in so many ways but this the depths of depravity.
I used to bank with the Co-op and they were shit too - terrible customer service, kept screwing up our direct debits and landing us with extra charges. This was a few years back, maybe they are better now, but I don't trust them.
Will write to RBS but unless I can find an ethical bank that is NOT the Co-op, I won't be changing my account. No point leaving Satan just to jump into bed with Beelzebub.