Hello all, This is my first post, I have been looking and learning from the site for awhile and just taken my first step (requesting my statements). I will keep this thread updated so that you can all monitor progress if your interested. I have to say this site is very informative and has been of great help. Does anyone know of/experienced the reprocussions of caliming i.e can the bank demand that you do not go over your agreed overdraft again or the account will be closed etc?