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I'm only just learning about the 'unfair terms (Contract)' law. but I would suspect that any contract they made you sign, that said you waived your legal rights. was also UNFAIR in itself. So I would ignor this, and continue the matter until you have all YOUR money back. It is YOUR money, not theirs. They took it from you ILLEGALLY!

Just another question. I read already about overdraught intrest not being classed as penalty. However I am considering attempting claiming this back too, in my case. My argument is that, although I understand and accept that intrest is is a legitimate charge on money that I owe to the bank. And that in my particular case the balence of my savings account far outweighed the overdraught on my current account at the same branch, THEREFORE, at no point did I actually 'owe' money to the bank, and as such is is unfair to be charged intrest for money I did not owe. I am certain someone in here will know of any precedents for such cases, and would be interested to hear if I am wasting my time on this or not.

ok, The good news then is that I can claim in a oner, and I have the full 6 yrs, not 5. The down side is that I would have to travel to England in the event that the bank make me take it all the way to court. OK, so thanks for the help, I am now going to write my initial letter, and see where it gets me.

HI Dave, Thanks for the fast reply. No, I haven't started anything yet. Just trying to get a picture of the process. I only heard about this today, so It's all new to me. The branch in which I opened the account originally was in England. But by the time I closed it, I had already moved to Scotland. And I was in Scotland at the time that they actually made me pay them the charges (even though they were alegedly incurred while I lived in England). While I was ill, I couldn't get to the bank to pay cheques in and arrange transfers, and as a result of this, they bank charged me a total in excess of £1500 for 'refused direct debits' whatever they are. All this time I had plenty of money in my savings account at the same branch. So even though my current account was overdrawn, there was never a point when I owed the bank money. When I closed the savings account, (in Scotland), this was when they actually took off the money that they said I owed them from debts incurred on the current account. Now this has all come to light, and I can see how they took advantage of my illness. Had I have been feeling 100% well, there's no way I would have left the building without all my money.

The bank screwed me rotten with their charges while I was ill with depression. At the time I lived in England. Now however I am better, and I live in Scotland. So which court do I file a claim in ? England or Scotland?