SIX years on from the biggest financial crisis in living memory we appear to be no further forward in seeing a solution to the innate greed and unethical practices of some of our banks and financial institutions.

It is incredible that not one person in institutions guilty of mis-selling products, of gambling with the world economy, of causing countless thousands of people to lose their jobs, homes and pensions and in rigging the Libor rates - surely one of the biggest frauds in history - has gone to jail. No-one arrested; no-one held responsible.

This reluctance of the establishment, in which I include politicians, regulators and the police, to pursue the perpetrators of what is, surely, in many cases, fraudulent behaviour has reached the stage where ordinary citizens can make one judgment only: nothing is going to happen.

I have chosen to do the only thing I can in the circumstances as an individual. I am removing my custom from the Royal Bank of Scotland, with whom I have banked for more than 40 years. I will take my custom to a mutual building society. The RBS has proceeded from one abysmal disaster to the next with no apparent intervention from the Government, who own it on our behalf.

Recently the chief executive of RBS has defended the continuing payment of absurd bonuses to the chosen ones in his establishment as being necessary to keep the best talent. This will be the same "experts" who brought about the disaster in the first place. It is high time this assumption of bankers departing for greener pastures was tested. Let them go. They are not rocket scientists. It is a myth that they cannot be replaced. Their salaries alone are more than substantial.

I would like to point out that the ordinary staff of RBS always have been, in my experience, efficient, helpful and decent folk. They, of course, will be the ones to suffer in any further cuts in employment.

Roger Graham,

23 Cullen Crescent, Inverkip.