Hi all - new here My son told me about this site and about reclaiming charges today and i have been eading through with great interest I will - as soon as i get the information into my ant brain be reclaiming (hopefully) my charges My question is - with all the money they are paying back - why are the banks STILL doing it ?? My son rang the Woolwich - they attempted to charge him £10 per statement he told them that he knew his rights having read this site !! at this they capitulated and said they would sort it out - he was owed £1800 - offered £1200 which he accepted - job done THEN last week they charged him £35 for a failed direct debit - and another £35 because there was no money to pay the FIRST £35 (true honest) - he then rang them again and they have since refunded the £70 !! surely as it is apparently illegal they cannot do this any more ??