Thanx Tracey...I have a step account at Natwest as I had to enter a debt management plan to help me with my debts that my illness caused..I am not allowed just any bank account now due to my history.....Haven't heard of a Parachute account though ..But I am sure they will sort my bits whatever account I have...? Thats great I will pop in and see them I think... Thanx a million x

Thanx Fizzer will have a look at it.... Any help appreciated...

Right...I am about to start claiming back £165 worth of charges from A & L that have mounted up over the last year... I know to some this may not be worth bothering with, but as a mother of 5 it is a lot to me.:grin: The final straw came last week when due to a genuine mistake, a cheque I wrote was refused due to insufficient funds in my account they charged me £34. I was on holiday and didn't realise. By the time I got home they had reissued the cheque ( within 3 days) and they have given me another £34 charge. I phoned them and they have removed the last charge but I am sick and tired of them thinking they can help themselves to money that isn't theirs..Leaving me in a mess everytime to clear up...I am on benefits and a very tight budget....So £34 at a time takes me a few weeks to get straight again... Anyway enough of my ranting... I have another account opened at Natwest and am about to get my Direct debits and income payments transferred to my new account... Anyone out there got any ideas of an easy way to transfer my DD's and income payments to my new account...? Also, am I right to say that my next step after this is to write to my bank asking for my charges to be refunded... I know this is a premature question but I am going to need a lot of help with this as I suffer mental health problems and need to know I am doing this right as the less stress the better for me Thanx in advance Bigsis...x

Thanx a million for the speedy reply...K off to work out which is the right forum... Here goes...;-)

Hi I am a busy mother of 5...:o Hoping to get some help from you... Looking to get some charges back but unsure if its possible.... All I want to know is can I get back the charges the bank have given me for Failed direct debits and cheques due to insifficient funds..???.( Nothing to do with interest charges...);-)