Some are for a monthly overdraft charge, usually £8 (which most of them are), and others are for exceeding the allowed limit, and can be £15 or £25 (and these always come with a hefty 'Daily Excess Charge').

I just got a reply to my first letter, in which the bank say I can't claim back beyond 2000, not only that, but they have put £147 in my bank account "as a gesture of goodwill". Does anyone know if I can claim before 2000? On top of this 2 weeks ago, they added another £40 fine to my total, for going overdrawn for 1 day. Cheque didn't clear in time. Charges from 2000 onwards still come to £442 (including this new charge), although in their letter they say I cannot claim service charges (which make up the bulk of the charges they have laid on me over the years). If I can't claim service charges, my total claim drops to £162 Should I carry on, or call it a day?

hi everyone, it's great reading about the succeses people have had in claiming their charges back. I've totted up mine from Dec 1994, and it comes to £371.50. The types of charges here are: COMMISSION, DEBIT, ARRANGEMENT FEE, DAILY EXCESS CHARGE, but most of them are marked SERVICE CHARGE. I'm still not 100% sure which of these I can and cannot claim. Any help would be appreciated. Thanks! ohms