Anyone?!

Ok, I'm probably going to annoy a lot of you by posting here but i'm not sure where to put it so please accept my apologies! Over 5 yeasr ago I got into terrible debt and couldn't open a bank account with anyone other than HSBC. For a few years I had a basic account (for wages to be paid in etc) until I crawled out of trouble. Then over a year ago I waltzed in and asked about an overdraft and cheque book. I was upgraded and was charged £12.95 per month for the privilege. I have never been overdrawn. Never had a bank charge. I'm a careful spender. Rarely use the cheque book but the overdraft does come in handy now and then. A few weeks ago I was invited in for a review. When it was my turn to ask questions I explained that I didn't think it was fair for me to be giving them over £150 a year to use the overdraft when other banks don't charge. She went into great detail of all the benefits I would lose: Roadside assistance (i'm already with the RAC) Travel insurance (I don't travel) and Fraud Protection (Its a debit account that never has much in) so we laughed at how useless it was to me. My gripe is, when I initially asked for the overdraft and bank book I believe they mislead me into thinking that because I was in debt, the upgraded account was a necessity rather than the luxury it turned out to be. Is there any way I can get a refund? Many thanks in advance