Hi all, nice to be here. I need to know what is claimable and what is not. I know that somewhere in this forum the answers will lie, and moderator feel free to redirect if these questions are a pain, but I don't have the time to search. For the last few years I have fought periodic financial difficulties, but have always managed to find a way through. I have been slaughtered with bank charges the whole time, and expect it to amount to thousands by the time I total it all up. I'll admit now that i've done it all, and have had card misuse, cheque misuse, etc etc applied. The last straw was 3x£38 charged for 3 submissions for £5.24 from E bay. The charges have had knock on effects with other institutions such a lenders and cc companies, as they applied charges as a result. My account is with the RBof S. A second supplementary query is ,can I claim back the £3580 Clydesdale bank charged me for having the cheek to pay my mortgage off early when changing mortgage lenders. Best Regards j