Hi all, First time reclaiming attempt....how did it go? Well, my first letter went more towards the "human argument", ie I told them that I thought the charges were disproportionate and it was pushing me into a spiral of debt. I asked them to review my account and consider a refund of at least some of the fees. They replied stating that their fees are in line with their terms and conditions (irrelevant argument number one!) and guidelines etc, but they offered to refund £25 as "gesture of goodwill". A start, you may think, but on the same day, I got a standard letter from them saying they were charging me £25 for a Direct Debit they had to pay - I had been overdrawn by about £10 by then I think - so what they gave me with one hand, they took away with another! I wrote back, dismissing their response of "all in the terms and conditions" as that was not what I was querying, and they sure as heck knew it!! Again, I reiterated the human argument, and asked them to reconsider their response. I've just got a letter from them today, once again stating that their fees are in line with their terms and conditions (irrelevant argument number two!!!), they are not going to make any further considerations to the fees, and they now consider the matter closed. On top of their TnCs arguments (something I have not mentioned whatsoever in my original letters) they have also said that they will not consider a full refund of my fees - again, something I have not mentioned, all I asked was a review of my recent fees! I work in a customer service environment, and I know from a retailer's point of view what "this matter is now considered closed" means! Should I keep up the fight? They've ignored my main points twice now, despite me putting in plain English what it is I actually would like them to do!! Thanks Shaun