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Thanks Spiceskull I think thats some nice bed time reading. Cheers. I'll keep you informed, but it is really up my wife if she wants to claim the charges back. (she'd be mad not to try).

Hi, I'm new to this site and am a little confused. Basically, I've just learnt that bank charges are illegal. My OH has been charhed several times for been overdrawn without an overdraft. e.g her balance went below £0.00 and she was charged £25 for having no overdraft and £25 for them putting up the money for the DD until she could get some money in her account. (which was always the next day as i leant her it, and paid straight into her account CASH). Is this a case where she can claim her money back? and if so can you point us in the right direction. Thanks Andy