Hi, I'm going after BoS for my fees on three accounts for the last 6 years, mine, my partners and our joint bill payment acc. I have an account in a branch in Edinburgh but have been living in London for 9 years and am intending to do this under English law. I just called BoS phone line and got a very nice lady who said 'no problem sir' charged me a fiver per account and promised to get the statements sent in 5 - 10 working days. We'll see what happens. On a vague moral-philosophical point, while I do feel bad that bill payments and direct-debits are missed and that I overstep my overdraft from time to time, a £39 charge per item is a little steep and does reek of profiteering and punishment rather than legitimate recovery of incurred costs on the bank's part. I'm guessing my fees over the 6 years will come to more than 5k per account - ought I to split this over separate requests in order to come under the English small claims court? Cheers, Scotspaul