No, have had the account for more years but only was awarded my first charge in 2004 sometime. Thanks for putting that letter up, very useful!!

can't i just refuse the offer and ask for the full amount? thanks for the advice!

Morning, Having used much of the info on this site I wrote away claiming charges for £2064 from BoS over the last 3 years. I had no idea it was so much till I pored over my statements! Got a letter back today offering £1108...not to be sniffed at but still just over 50% of what I have paid them in penalty charges. Before I go charging ahead angrily demanding everything back does anyone have anything to advise? I feel that I ought to push for more at this would wipe out my student overdraft (which I wouldn't have if it wasn't for these charges!!) Cheers, df.