Royal Bank of Scotland, the nationalised bank, has sent threatening letters to homeowners saying that their homes will be repossessed if they fail to repay their entire mortgage within 30 days.

NatWest, which is owned by RBS, demanded that Peter Addyman, a married pharmacist from Hastings, East Sussex, repay his £226,000 home loan – although he says he has never missed a payment.

In another case, Royal Bank of Scotland wrote to a homeowner who had missed just one payment on his mortgage, ordering repayment within 30 days. Correspondence sent by the bank and seen by The Sunday Times uses identical words to the letter sent to the Addymans. Again, it is understood RBS refused to give a detailed explanation for their decision.

Sunday Times