Hi I have read all your letters with great interest. I have been thinking I may claim charges for a few months as I am a carer on low money and have paid out about £600 over the past 6 years. These charges pushed me into debt so my credit rating was very poor, leaving me unable to get an overdraft and very stressed. I was let off charges a few times, I think only once a year was mentioned. Is it too late to claim? also can anybody tell me or direct me about claiming online? Finally what will happen if loads of people do this? Wont other banks be wary of giving me an account? Will my branch close down? whats the percentage of a branches poorer accounts? I do feel exploited though especially when I hear how they have made a very good profit this year.