I'm on a roll and such a pest - I put it back! Right, I'm going now! Bye.

Oh my God - I'm soooooo sorry! I just deleted my previous message as I knew it was in the wrong place! I hadn't noticed you'd replied - duh! I'm such a klutz! Thanks so much for your speedy reply. I've been routing around this site and it's bloody marvellous! Bit nervous about the bank closing my account - that would be terrible and such a hassle! Anyhoo - thanks again and apologies again for typin in the wrong place. Sherry. x

Oh my God! I got goosebumps reading that! High five to you. Should I copy and paste this letter and send it to my bank (Bank of Scotland) along with a spreadsheet of charges initially? I'm sorry, I may sound a bit thick but I'm a newbie and just working my way through this forum. My day has suddenly got sooooo much better! Sherry. x

Hiya. I'm chuffed to bits that I came across this forum via Money Saving Expert. Now I'm not a usual canny Scot and if I've a fiver in my pocket, I'm itching until I've spent it! However, I am generally good at keepin in the black as far as my bank account goes but over the last two months or so I got a bit carried away with Ebay and unknowingly went into the red. About 6 or 7 times!! That's £30 a time plus sometimes £28 administration fees!!!! The maddening thing is sometimes when they were deducting the charges, they were making me overdrawn and charging me again!!!! Is that allowed? So, now I'm in a blind panic to recoup the monies that would normally be sitting in my bank account instead BOS have claimed it!!!! Plenty of exclamation marks eh? I'm borrowin off Peter now and trying to pay Paul cuz The Bank of Scotland have sucked me dry. I'm really annoyed that they sit back and pull it all in. I have my Mortgage and Buildings and Contents with this bank too! They're gettin enough from me as it is! I don't think I'd have tonnes to reclaim. Probably £400 max over the past 5 years. Do you think this is acceptable to file a claim for this amount? Other people seem to be in their thousands. I know to me £400 is a big amount......... that was maybe a silly question. Could you point me in the right direction to get the ball rolling and how to get started with this? Thanks for takin time to read this and if I've done this in the wrong place, I apologise in advance. Oh and could you tell me if the Bank will charge me if I ask for copies of statements going back 5 years? Sherry. x