Oh, you solid-gold superstar, thanks very much!

It was a student overdraft, so I guess they could be charges for the account, but then I'd expect them to be more consistent in terms of dates etc. ... I'll try ringing them. I mean, you're right - they ought to know! Cheers.

Well, I've got all my statements, I've added up the totals, and I'm ready to make my claim. However, I'm not sure how much it should be! I've got x amount of card misuse fees that I can claim. They seem pretty straightforward (though when you start adding them up, it's astonishing how much they come to!) However, I've got about the same amount in £10 `CHG to ddmmm A/C ********' (where ddmmm is the date and asterisks are the account number). These crop up very regularly from the opening of the account, then mysteriously stop (though they stop at about the time when I left university, became more solvent, and stopped going over my limit so often!). There doesn't seem to be any particular pattern to the dates on which they occur, or the balance on the dates which they are applied. There's also one, but only one, `CHG to ddmmm A/C ********' for £32.55. The rest are all £10. There's not really enough information in that format to tell me what kind of penalty was being applied here though. Does anyone know if it's claimable? The kicker is, without these additional £10 charges, the total is going to be below any kind of level at which the bank would kick up a fuss, but with them it's going to be over the sort of amount where they'll start doing their own sums, so I want to get it right. If in doubt, I guess I'll claim and let them sort it out.