well now im just sitting back and waiting hehe,when my statments come can any1 tell me wot im claiming for,am i claiming for everything or everything but monthly charges of £25.00,thats made when they pay a cheque or dd ,they charge me 25.00 for dd and 34.00 for paid cheque also 25.00 on 25th of the following month(im sure there allowed that charge though)as they write and tell you and give you notice of it coming out,cnt wait to get them back,but im scared aswell hehe:)