Well here I go, im just getting my letter to request statements ready to send to the bank. Today I called the bank to see if they would refund £94 charges since 10th Aug. I am unemployed at the moment and receiving job seekers allowance which gets paid into my account. I explained to the manager that if I did not receive the charges back that when I get my money on Wednesday I would have no money to live on for a fortnight to which she replied thats not the banks fault. She offered to refund one charge of £28 that would have still left me in the same boat. I am now absolutely seething and cant wait to have the satisfaction of getting one up on them for a change. I only wish I could sue for hardship and distress caused. Will keep everyone posted of my progress.

Just saying hi. i'm looking forward to reclaiming the charges the bank has taken from me and caused me untold hardship.