Hi, it gets fun now you`ll look forward to recieving letters hehe
You`re right about the pre-arranged fees, but you can claim for all those other `penelties` you mentioned. I dont think there are any other abbreviations you should look out for.
The next step you need to take is to print off the Prelim letter and a schedule of charges (no interest added as yet)
As for the 6 year rule, personally i wouldnt bother as your account hasnt been open long since, but thats just my two pence worth, its upto you.