Yeah, the fact that it is a Building Society really bugs me, and especially as I have Kids savings, mortgage and house insurance with them. Unfortunately, is there any bank which will not try to fleece us? Any that have a sensible policy to unauthorised O/D and returned DD or S/O's?

My mortgage is a 10 year fixed rate, which I am blessed with having in these days of rising interest rates.

from what i have read on here, they can't touch the childrens accounts, not sure were you stand on your mortgage account is this one of the accounts you are claiming your charges back from, not sure if this is right but don't think they can touch this either, think they will close the accounts that you are claiming againist, how much are you claiming in charges? on how many accounts? i thought they'd be o.k but its maybe cause the account i'm claiming from was closed last year, this is maybe why they are be a*sey with me

I'm not claiming against my mortgage account, just the one current account, not sure about the amount yet. But you think it will be okay? I'm sure they will have some clause that they can call in the loan at any time.

Banks aren't operating an "unofficial" blacklist of people who have claimed are they?

I too have a problem with Nationwide, but I am worried because we have 3 accounts, 3 childrens saving accounts and a big mortgage. I wonder if they would close all the accounts?