I know it's small beer compared to a lot of you but A&L finally settled on Sat for the Sum of £347.88 + £39 court costs. I had to take them all the way (almost) with raising a small claim but they settled well before the hearing date. What is the situation as far as them closing the account? They wrote that someone would be contacting me with regards to the account as I was obviously not happy with the terms and conditions, but I am actually fairly pleased with the account, apart from the charges! I wrote back saying that any attempt to close my account would be challenged but do i really have any power over it? What about the Banking Ombudsman? Anyway, thanks to everyone that has contributed to this site and helped me with my mini battle!

Are Cahoot starting to crumble?!!! I wrote to them asking for the details of charges levied against me and I received an Email stating that they were sorry to hear my complaint and that they would be looking into it. I replied that Iwasn't aware that I had made a complaint and that I was merely looking for the details under the Data Protection Act, and today I received a cheque for £50, a refund for two charges on my account, even before I have asked for any money!! Keep up the good work!