HI Gillian it sounds horrible what your going through ive been through it, and its not easy, check the information section under your bank there is a list of numbers and emails that detail who people off this site has dealt with regarding getting there information back, this is what i used when natwest ignored me, i got the manager who deals with it and she sent them to me, if they cashed your cheque they have aknowledged your request me thinks that they test us to see if we can do it, just try and read as much as this site and all the threads as you can!! everything you need is here. good luck, also setup another bank account they cant take off you what they cant get! ooooh just remembered im sure ive read somewhere that if you are put into debt because of there illegal bank charges ie forced into debt that you can get that money back too i will have a read through the threads see if i can find it, so keep your eyes peeled!!