Thank you! xx

Oooh, really? If I can claim them then it may even be enough to pay off my overdraft. This is the link to the MSE info about not being able to reclaim: What charges you can claim - MoneySavingExpert.com Forums What do you think? I will PM a mod too. Thanks!

Thanks Fiesty! Yup, tied to the nappy bin just about sums it up. Have also just done some research on MoneySavingExpert and apparently these £10 per month 'maintenance charges' are unfortunately one of the ones that can't be reclaimed. I do have some other card misuse charges form a few years ago though, so might try to reclaim them, if I can find a spare minute! x

Thank you very much for your help, Miss Muppet. Will have to think about that one as I have an overdraft with them and don't fancy having to pay it all back straight away!

Hello everyone. This is my very first post, so please excuse me if I don't make myself very clear. I have a student account and student overdraft with RBOS and I hate them. Basically, I've just had a baby and have gone from being a full-time student (with full student loan) to a part-time student with one loan payment per year. They don't like this, and have been calling me non-stop about the lack of funds in my account. Also, (this is what I really want to ask about) I went over my overdraft limit by about £6 ages ago and they've been charging me a statutory £10 per month penalty for this for ages, plus about £3pm interest. Does anyone know if I can claim this back in the usual way? I'm unsure because it's a lower amount than the normal £39 charge for bounced direct debits etc. Do student accounts have different rules, and if I take them to court will I be in danger of losing? Thanks in advance for your help.