Hi, Well I only went overdrawn by £1.61, which was due to their debit interest charges, and I am now being charged £72 for it, as I didn't notice this slight misdemeanour straight away. (Basically I was overdrawn for 7 days last month, the changes went out this week, and becuase I wasn't aware of the extent of these charges, I went overdrawn again, incurred more charges, etc). There was no offer of a refund when called, despite the fact it was only £1.61 and it was the first time I had ever exceeded teh limit and I had been a customer for a good 4-5 years. In fact, I have not been able to get through to Smile since this call. I have tried 4-5 times and waited between 10-20 mins. I can only pressume they have nothing futher to say on the matter. I sent of my Prelim letter today and hope I have interpreted it correctly. I will certainly be leaving Smile whether I get the money back or not. They clearly do not value me as a customer.