Unhappy?
Unhappy RBS/NatWest customer? Vote. Feet. Now! Plenty of competition. Many banks now iron-clad by national governments.
Unhappy creditor. Meet and commiserate with fellow creditors, then serve class action suit.
Unhappy debtor? Wheee! RBS/NatWest will cover all your accidental failed transactions and penalty charges. Go spend.
Unhappy RBS/NatWest staff? Whinge about rejected DR plans. Find new job. Now.