Got a letter from A&L today saying they are dropping charges from £25 a pop to £12. Better than a kick in the teeth.

I see... Well that sounds rather ominous. My charges would amount to a good few hundred pounds, but not £2000 - the limit of my overdraft around which I hover. I have another current account, but would worry about A & L demanding this overdraft is somehow instantly paid-off. Thanks for your reply, I look forward to any more responses and advice. Cheers.

Thanks for the reply. I'm yet to start any sort of proceedings regarding claiming my money back, but being shafted because of my overdraft and suddenly being asked to pay £2k is something I'm worried about, so wanted to check before I start.

Hi everyone - first post. I'm just reading throught the various FAQs and information, but can find no mention of my specific query. I basically live in my overdraft - set at £2000 - hence I have had a number of charges, which I am looking in to claiming back. But, should they choose to close my account, what will happen? Will they try to claim back my overdraft, i.e. charge me the £2000? Hope this makes sense and someone can help. Cheers.