Hi John, im new here and i've been reading round and dont know if i should start a claim for my charges. It sounds like your doing well. Good luck with it! My account with Abbey is closed now as there is a debt of £120 for returned direct debits. At the time of the charges i was on benefits and had to change where they were paid to as i'd have been left with no money for 2 weeks and had 1 dependat child. Do you think i should? I have no statements what do i do? any advice would be great Thanks Laura