Hi Dolfos, I just read your whole thread, heartbreaking! Just like to say, it's admirable that you stuck by your husband, you may think it's not a big deal, but i'm sure a lot of people would have just given up and left. Anyway.. I'm not an expert, but have read up a lot on bank charges (with my massive claim of £584!) and it seems that when you win (which you will) you're entitled to your money anyway you want it. So ask for a cheque and deposit it wherever you want. Also, i'm amazed that you haven't found a no-win, no-fee lawyer out there! you should check MoneySavingExpert.com ad-free, free to use, Consumer Revenge! he's just written an article on bank charges and if you get down to the last step, he gives a link to charities/people who are willing to help "if" you go to court. Good luck, i hope you screw them to the wall!