I got two letters earlier this month from BOS saying I had gone over my overdraft etc and BOS were going to charge me £20 in each case, £40 in total! However, on my statement the transaction for the first charge did not make sense as it did not make me overdrawn, the second one did put me overdrawn. I phoned up and spoke to, surprisingly for BOS, a friendly opperator who said the bank has decided not to take off the first charge but had already taken the second. I simply asked what were the chances of getting that charge refunded, he said no problem. Success!! Today I got a bank credit of £80! (no idea where the extra £60 came from!)