thanks guys... much appreciated! will go read up about it all now xx

Hi Folks, would appreciate some help. Had a few charges over the years, the whole time was on Income Suport + Incapacity Benefits. In May 2011, I was offically declared bankrupt. Yet, the bank stll continued to charge me failed Direct Debit fees of £35 per time. I wouldn't say it was £1,000's but perhaps £300- ish. I learn from MSE forum that this should not have happened due to financial hardship. I would like to reclaim money back, but not sure how the land lies for such in Scotland. Can I use the templates from MSE or are there specific ones for Scottish banking. This spans approx 11 years - 3 address. I understand that I have to ask for a list of transactions (rather than statements) and provide the £10 statutory fee for such information under the Data Protection. Any other information would be greatly appreciated!