Abbey are awful. They took £55 out of my bank account in various fees, after i accidently went £2.76 under my balance, accidently. They charged me the standard £25 fee, which i accepted, but the following month they charged me £25 for the same overdrawn amount, which i cleared, and i was charged £5 fee for spending less than £9.99 when i went over drawn. I called abbey helpline (general), waited for 11 mins and then got frustrated by the "your call is in a queue" answering machine so hung up. I thought - well money was stolen so why not call the stolen card number, which i did. Success - the phone was answered in less than a minute. I proceeded as follows: Hi, Abbey has stolen some money of my bank account. He says he will check which he does. I explained that abbey charged me £30 more than i should have been. He told me that i was charged £25 this month for being overdrawn on last month, to which i explained I have never previously been overdrawn and it only happened last month. He checked it and agreed it was a mistake and said he would put that back for me. I then asked him when the money would be in and how i could close my account. That is when the sales pitch kicked in. He said that he can refund up to £60 into my bank account because i've been a good customer and have only been overdrawn once in the last 12 months. He then said that he would refund me the two £25 fees. I said, "what about the £5", to which he said he could only do a maximum of 2 transactions, and it was better to do the two higher nomination ones. I then said that abbey made the error, so surely that isn't my fault and that means that the £25 is one transaction and £5 is the other. He replied "err, let me doublt check". He came back a minute later and said that was fine and that i'd get the full £55 back. Brilliant. That made my day, especially after being taxed £50 on my pay slip earlier today! - not to get the tax money back! I am still going to close my abbey account - they are rubbish and i've lost all trust in them now. Natwest here i come! (on a rec of a friend) - let me know if they are crap too. Moral of the story - always argue your point back...you never know - you can get your money back as i did (or will tomorrow). blue