I saw a programme on morning tv with the money savings guy on and that started me off. I then watched and recorded the BBC 2 programme about these bank charges. The more I watched the more I got angry. Halifax took nearly all my wages last Nov, Dec. I had nothing no food in the fridge and with other problems in my life at the time was close to a nervous breakdown. When I called the Halifax to confront them, I was crying uncontrolably, all they did was extend my overdraft and now that I know they were getting wind of all of this at the time I am disgusted with them. I before Christmas telephoned the Halifax, who obvously knew why I was asking for backdated statements, were very good and polite and advised me I only had to pay £5 for these statements not £10 as I thought. I then called Nat West who I had been with for most of my adult life, but closed the account because of charges and the way they treated me, They were very good and also said I only had to pay £5 for statements. I recieved all my statements from Halifax a week ago and went through them and to my surprise it came to 3013 pounds. I only thought it was around 1000. I sent the letter and copy of dates of charges and amounts on Monday 1st of Jan. They recieved it Tuesday and I had a reply today 4th of Jan. It had a letter pointing out the terms and conditions (they sent me a letter a week ago telling me they have changed their terms and conditions, not that I understand it anyway, with a copy of them too. Also a card with a number for my complaint. Nothing else was said. So I e-mailed them pointing out that I am claiming for charges incurred before they changed their terms and conditions. I was e-mailed asking for my telephone no. Which I did send and the girl explained that as there was no manager available she had to send it to head office to be dealt with and she also forwarded my e-mails to them. So I am now just waiting to see. I have told them I have not put any interest on the amount but if this goes to court I will ask the court to add it on. Nat West have not called me yet to get the statements. I know that their amount of charges is going to be greater than Halifax and cant wait to find out what they will have to give me back.