Hi, I can totally understand why you guys/girls were terrified but dont forget they took your money. You are only reclaiming what is yours. I have just recieved my statements through for the last 12 months with the promise that those now stored on microfiche will follow. So far my charges amount to £825. I will of course be persuing them for this. My main question on this is, that as the 40 days are almost up, do I make a claim now or wait for the rest of my statements to arrive.