thankyou x

ive recently come across this site and it seems bonkers to me that the banks have been getting away with this. it all seems a bit too easy to just write to them saying "id like my money back please" Am i being dim about how simple this process is? Im a little concerned about starting something against my bank (BOS). I currently live in edinburgh and have no doubt that i have a frightening amount of bank charges against me after having a number of years being a skint student and not really being that great with money. Honestly is there any downside to starting these proceedings? Im getting a little confused by reading all the stories of people at varying stages of claims. Can somebody reassure me that this is not an internet [problem] that im about to be suckered into? S