Not that brilliant at money are they, banks? Or perhaps they are brilliant, but in a rather one-sided way. For example, the propped-up Royal Bank of Scotland announced losses of £1.4bn, while its investment bankers are gathering bonuses where they may.

Step forward Issrar Husenne (Izzi's News, Coatbridge, North Lanarkshire) and his recent skirmish with RBS. A month or so back he deposited money with his RBS branch at Crosshill, Glasgow. He writes: "Unknown to me, the monies I lodged were entered twice by the teller. I was never notified of this happening, either at the time or subsequently.

"On receipt of my monthly expenses statement, which I never check however for some reason I did this time, I noticed I had been charged an extra £18.08. It transpired that I had been charged for the teller's mistake whereby she had lodged my money twice and charged me again when the money was 'correctly' withdrawn."

When he queried this he was told it had been a clerical error that would have been picked up somewhere in the system. "Well, it hadn't in the previous four weeks!" he points out.

He was told that the bank's system was too old to handle such a transaction error and couldn't automatically 'flag up' this discrepancy. "And to add insult to injury I was told it was my duty to check my account and notify RBS."

How often do you check your statements? I'm sure there are the scrupulous among you, but equally others who are somewhat negligent.

It's a given that banks seldom seem to make mistakes in customers' favour and that's not just sourpuss old me.

Back in the nineties I was reporting on auditing firms checking business bank accounts and it was damning stuff. Anglia Business Associates claimed a success rate of 75% in detecting and recovering money on behalf of its clients..