Not sure about the validity of the agreement.There are some terms at the bottom but I can't say if they are all their.
You should definately set about claiming back your PPI charges, unless you already have?

RBoS have just agreed to pay back my PPI charges, although I am still not agreeing to their terms (They have said they will take the refund off my CC balance)
I have now said I will let the
Ombudsman
deal with it if they refuse to pay me by Cheque.
Might be an idea to PM one of the site team (If you don't get a reply) re your agreement, as this section doesn't seem to be as busy as the others
regards
lee