Morning Just beginning to understand how to do this and although I have may have already read it amongst all the info Ive been reading on this site apart from trying to reclaim returned direct debit fees can I also reclaim unauthorised overdraft fees? I intend to start with Nationwide and then persue the various credit card companies. Is there any time limit for trying to persue closed accounts? Finally if there is any friendly person out there who I could talk to and gain advice about doing this I would love their phone number and a convenient time when I could call. If not, no matter, but I will keep posting my progress. Regards to all - Roger