I got all my bank charges back from BOSicon before the test case started (so I was one of the lucky ones) BUT in the last 3 months they have charged me appox £800 in charges (wonder who's bouns my charges has paid) and I'd put my hands up to a few of them being my fault, but like most of the rest of you, I'm stuck between a rock and a hard place, I've got a job (one of the lucky few i know) but wants the point when £200+ of my wages goes on charges which means I'm getting more and more in debt, I've applied for hardship but because I've already had charges back from them, I don't think i'll get anywhere, they treat me like crap. The only way this started was because my gas/elec was suppose to come off on the 1st of the month and they took them on the 5th and 8th, and its just snowballed from there, I think its really wrong when your FAM goes in and on the same day comes out to pay for 3 bank charges Will keep everyone updated though, but has anyone that has claimed before and got back been successful in getting hardship???