Hi, I'm with Bank of Scotland and have struggled for over two years to get to grips with the knock on effects of A DEEP financial mess due to worK related problems, finally had enough of trying to resolve it by finding extra funds to offset bank charges, calling their phoneline and visiting my local branch, all with no real offer of meaningful help. Having generated additional funds on too many occasions to try to overcome the knock on effects of charges applied to my account, only to be let down by late payments going in to my account and the whole cycle starting over again, I wrote to BOS and they credited around £400 which is less than half the total applied over the last 3 months. Wrote again requesting details of charges applied to my account since 1st Aug 2004, don't know why I picked that date, and having scoured through th 10 envelopes of statements find out they have applied around £4800 in the period plus debit interest. Wrote again expressing my disgust at how bad things were and requesting they refund my money, needless to say they have declined, told me the charges were justified and referred me to the banking ombudsman service - where to now? I am literally at my wits end, having been with BOS for 30 years and treated like a piece of dirt do I go to the ombudsman, is there any point, or do I try the courts? HELP