just been watching a very interesting program on bbc2 dont know how many of you were watching but it was on about banks charging every time you go over drawn or cheques or direct debits aint paid on time it was also telling you how to claim these charges back for the last 6 years if anyones interested heres the link http://news.bbc.co.uk/1/hi/in_depth/busine...oney_programme/ good luck if you go for it p.s admins didnt know where to put this so move to right place thanks teresa