Hello to everyone on this forum. I have just signed up as I am too, totally fed up and outraged at the audacity of the bank fraternity!! I am about to set about Abbey to reclaim lots of charges. Ironically, most of them were incurred by the mess up the Switcher Team made when I moved from Nationwide, who, it has just occured to me, I may be able to stick them too for all the charges they made for their mistakes on my account! Utterly amazing.