Hi Lordlee, i am also having major problems with this too, i joined them in April this year, they told me they'd match my old overdraft, set up my direct debit and change my wages over, they didn't match my overdraft, collected my direct debits before my wages which made me overdraft and to sum it up, they have chaged me £1200 to date, i have sent letters to them, made phone calls and they won't talk to me. they are "investigating" apparenlty. i have it in writing that they would match my overdraft and they would keep me informed every step of the way. i am sending a letter to Trading Standards, The Fos, the ofice of Fair trading & and of course i am going to take them to a small claims court. now i realise this doesn't exactly help you, but i want you to know that i share you, anger & frustration.