Hi everyone, Many thanx to whoever came up with the idea of this forumn. It is more than helpful than I expected. I already got two problems solved at once, the first being bank charges, actually I had a student overdraft which the bank decided to withdraw because I had not renewed it. I owed in excess of £2000- have since paid half the amount back but then I had a temp job so could not keep the payments. The amount of course included many bank charges from way back when i started uni and in Aug this year I served a notice to claim the charges back. The bank (Halifax) wrote back to me to say I should pay £10 as a "processing fee". In the meantime, I have now recieved a letter from a credit mgt company claiming they have bought the debt and they want their money asap. I guess i need to send the debt in dispute letter to both the bank and credit mgt company. But do I have to pay this "processing fee?"