To one and all a very big thank you for this information and all the hard work you have put in. I have had very rude and negative feed back from NatWest and HFC. However Barclays opened a business account and claimed £500 as the fee for setting up. This changed to £1000 taken from the account. They denied the agreed £500 fee but repaid as a good will gesture £500 of the £1000. When I asked for a breakdown of the cost involved in the setting up of the account, I suddely got a further goodwill gesture of £500 repaid, Its amazing when you push them they backdown. I am now chasing NatWest for old Businness account charges. Again thanks to one and aLL