Hello, Joined before xmas and got some time to start reading through all this info. I will be making a claim against Natwest Bank. I joined them in 1993 so I'm going to be looking at claiming all the way back...14 years! My latest charge was £30 for going over my limit by £2 for one day. Makes your blood boil. Hopefully if I get the cash, I can pay off my overdraft and close down my account and move to the co-op. Best, VJ SpanK