Thanks Barracad WIll take your advice and update when I have made some progress. Cheers

Hello all - was directed here from Martin's Money Tips, and am now looking forward to getting stuck in! I accidentally went over my £100 agreed overdraft in April for the first time in ~10 years. Charges in 3 days amounted to >£140. Also, timing of the "offence" meant that I had no time to correct the problem before being overdrawn at the start of May too - another set of charges in excess of £100! Sent letter about first set of fees on 06/05/06, and got reply back on 13th. Alas - no joy - reason for charges being "...we have to manually intervene, so have to pass on costs to the account that generated them". They also suggest that I contact their costomer relations dept where I can discuss with one of their 'specialists' the "issues I raised with regard to UK Law in respect of Data Protection and Consumer Credit Acts". I have no desire to speak with a specialist (since I'm not one myself!). My intention now is to: a) Ignore their suggestion to talk to their specialist b) Issue the request for details of all charges in last six (is it 6 or 5 in Scottish Law?) years c) Move on to Small Claims procedure. Would this be the right way to procede ? Cheers