We initially went through the Financial Ombudsman for my mentally ill daughter (aged 35) to recover £290 in charges - their process proved too convoluted. Then in March this year we wrote with our claim direct to Abbey - who sent us all the statements except the ones with the bank charges on! Plus advice how to stay in Credit (when my daughter had already closed her account some 2 years earlier.) Luckily my daughter by some miracle had most of her statements anyway. After 2 more letters we received a cheque for £20 which we promptly returned and commenced court proceedings in our local county court in Kent. Our total claim was for £312 - including interest. This week, Abbey have offered us 65% of our claim to withdraw our action - albeit they have filed a defence. With the possibility of a High Court judgement in the offing, we have deigned to accept this improved offer from Abbey.