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Hi all, Im new here and i have checked the FAQS but couldnt find anything similar to the dilemma i am facing. Here goes; I am a student and i hold a student account with natwest. on the account i have an O/D which i have never been over the limit on. I also have a student CC which i have failed to pay the minimum amount on a few times. I want to claim back the charges for these missed payments as i think that they will clear the current balance and i would not be able to clear it otherwise. So there are 2 questions; 1. Are the charges for missing the payments penalty charges in the same way that late payment Fees are penalty charges, and are they just the same to claim back? 2. What is the worst thing that Natwest could do in retaliation to me being successful in claiming back these charges? Could they make me pay the whole of my O/D back? Or close/freeze my A/C. This is a large sum of money and i dont currently have the means to cover the amount that i owe them so if they chose to do this im B*ggered! Thanks for any help. Awesome forum BTW, good to see people standing up for themselves and winning for a change! Andy