hello fellow freedom fighters. i just thought i'd share my experience with you, maybe it will help. over the past six months nationwide (the bank that cares!!) have charged me four times at £30 whilst i am in reciept of income based job seekers allowance. only recently did i do anything about it( charged me on 30th for a dd that i had cancelled, i am very busy trying to make it as a music producer but this really got my back up.) So i went into my local branch to get them back, the assistant repeatedly insisted that the bank was entitled to charge me even though i am in reciept of jsa, i was not in the mood to argue with some retarded assistant so i kept quiet and merely requested them back. one week later i recieved a letter declaring that the bank had made a mistake and would refund me... in ten days. HA! i thought, fat chance, you will not gain interest from monies stolen from any longer you fat cats!! so after re-reading this forum i armed myself with quotes, includein wood v the royal bank of scotland + social security administrtion act 1992 ( martin is right, they are only swayed by legal jargon) plus other quotes, and phoned them. i argued forcefully, (important to state, not aggresively, this will not help, you must keep your cool) and was told i could recieve an 'emrgency' payment within 24 hours. no i said, this is not good enough, you have admitted you have wronged, why should i wait. at which point i was yold a manager would contact me within half an hour. it never happened, i phoned them and demanded to speak to a manager, was put on hold then cut of after 20 minutes, i phoned back immidiately and was connected to a manager this time who informed me that they had tried contacting me (funny i had my mobile and there were no messages in the answer machine, even thought i made the guy who took my number repeat it to me) and that her phone was having troubles, isn't it always the way!! anyways she confirmed what i knew, that she could have my money in my account within an hour. well of course they can they are the bloody bank after all!!! do not worry people, i am still gonna screw them to the wall for interest and compensation. but for those of you who are desperately in need of your owed money's i am saying iot worked for me, do not take no for an answer and be determined. they are in the wrong and they do know this. peace out, buba