Hi, Please excuse me if this sort of post has already been answered within the forum - I've had a look around but haven't unearthed anything that is directly appropriate. If there is anythying of a similar nature, please could you direct me to it? I have just came off the phone from a Barclays current account customer services manager which has left me absolutely fuming. I have a Barclays current account which I opened approximately 15 years ago, for the last 4 years it has been used only for my monthly mobile phone direct debit and a few sporadic paypal debits. (which I always mean to transfer to my other bank but kept forgetting about) In the last 4 years I have not used the debit card at all and only check the account online infrequently to ensure there is no fraudulent use and to make sure the account is in credit - if it is in debt, I add funds. A point to note is that 4 years ago I moved house and set up a new account with another provider - I went into my local Barclays branch to close the account and was advised to keep the account open incase I ever needed to use it - my new address was provided which it seems has never been entered into the system. That brings the situation to where it is now. Yesterday I checked the balance using the online facility and it is sitting at £530 in debt. I went to my local branch in person and spoke to an advisor who told me that a direct debit for my mobile phone had taken the account over the reserve facility and now 4 x £22 reserve fees have been added. When I asked her about why I had not been notified of this, she said that letters had been sent out but recently they had been returned as not at that address. When she checked, they had an old address on the system and that I will have to use the debt management facility to which she suggested I used the internal branch phone. After 10 mins of being in a queue, I went home. After thinking about it and remembering that I had tried to change my address - I rang the customer services and spoke to an account manager, who, quite rudely and in no uncertain terms said that the bank would not be refunding anything at all since I had been into the branch yesterday to change my address, and that the account had been used "frequently" over the last year and that as it has an online facility, I should have taken better care of the account as I knew money was coming out from time to time. My arguement is that I did change my address the first time 4 years ago which wasn't updated by whoever and that I would have cleared the debt if I had been notified that I was going to be charged the reserve fees. The response I received to that was, again I knew there was activity on the account and should have checked it online and that I should have been receiving paper statements so when I didn't receive any then "alarm bells should have been ringing"!! I can accept that my mobile phone account has accumulated over a few months and has used the overdraft, I will pay this as it is money that I have used. However, the fees seem unfair and the bank are blaming me for not taking due care of the account. I feel that the bank a duty to ensure that those charges are fair and not having my correct contact details seems thin on the ground. If I had not have logged into the account yesterday, then the bank seem to be quite happy to let this go on so it would have been even worse. Any thoughts or suggestions would be gladly received. Regards