Thanks Brian, I'll check it out.

I intend starting proceedings v Abbey for charges on two accounts, totalling over £7000. On reading various threads, I'm getting the impression that, in the Scottish courts, the maximum I can claim is £1500 - can anyone offer some guidance please? Thanks!

Abbey have also "re-claimed" my cards & demanded the repayment of my overdraught, all because I had the temerity to ask them for an o/d increase to cover the £250+ charges that they hit me with in January. I am now preparing my DPA letter with intention of recovering appx £4000+ in charges, unfairly extorted over the last 5 years. I still have a couple of legal queries to sort out (Scots law & the OFT statement), but they better prepare for a fight, I've also had enough and won't be playing by their "rules" anymore either.