Bit of advice……………
Always ask your bank to refund your first charge …..most have discretion to refund at least one charge per year per accountholder………don’t shout and get abusive just ask…..you will be surprised !!!
Secondly, if you have had numerous charges over the last 6 years …….challenge the amount of the charges ……the penalty itself is legal as it is in the terms and conditions of the account when you open it………what is called into question is the amount of the charge itself………write and ask for a propotionate refund…………take it from me a lot of banks are refunding up to 70% of charges within 4 weeks of challenging on an indivdual basis…..
Don’t shout at the bank staff they are just doing their job …..okay ???
:( :(