Hi everyone! This is my first post. I must confess I'm hugely encouraged by everything I've read but I'm also a little nervous about going down this route. Although I'm in a better position than before - financially, I'm still far from comfortable. I reckon for one bank alone I probably have £2-3k worth of charges (maybe more) but they are also my bank presently. Consequently, I still have an overdraft facility with them (£900) and a credit card (£3.2k). Both of which I've been paying off for sometime but as you can see from the amounts still have some way to go before being cleared. I'm a bit worried that if I do send a letter to my bank they might ask me to close these accounts and repay the outstanding amounts. I can't afford to do that. So I'm just wondering, has this happened to anyone else? Ideally, given I've probably paid these off these charges many times over, I'd just like them to refund the amount so that I can clear these debts and then continue to have my account with them... Anyway, not sure how feasible this is but any advice appreciated. Thanks guys!