hello everyone. this is a great site. so intresting that i'm reading it when i should have been in bed hours ago(woops). anyway. since i started work 9 years ago on a very low wage, i have been in the red untill about a year ago. i went over drawn (not by much) and just couldn't get out of it with being hit with charge after charge. the problem is that i don't have all my statments so i can't work out how much i have been charged an the exsact dates. please advise. thank you. mike i am very sorry for my bad spelling and grammer.