Try Mindzai's excellent v1.9 spreadsheet, it's brilliant & works out interest charged on penalties for you! I'll try and do a link for it or you could do a search for it, that's what I did and it was pretty easy to find. If you come across any posts by Mindzai it's in his signature.

HTH, sn00psmum:p

thanks for your help

what bank are you with?

royal bank.

thanks again for the info, what about if i go over my agreed overdraft limit, which then incurs a refferal charge?

thanks for that i think i will just go for thr refferal charges. do you know if i can claim for the full amount on those?

please help, i know that i can claim back refferal charges,, but what about the monthly charge on the royalies & interest charge?? this seems to vary every month:oops: