POWER TO THE PEOPLE. Just about to send to my Branch Manager the letter requesting my charges back and the schedule of charges. Like everyone else Abbey have only sent a limited amount of bank statements. Well silly Abbey that won't work as I have found my statements for the last 6 years and it makes good reading. Bring it on and fingers crossed!

I have had similar problems with Next. I currently have a credit limit of £3,600 which seems to rise each month. I have requested that the limit is reduced to £300 for my safety. They have informed me that they are unable to do that even though I only have an £18 balance. I wonder if a credit limit of £3,600 might affect future credit applications if the amount is seen as a liability?