I've filled out the survey Dolly, I've been into town and opened myself up a different account too.
I phoned up member services this afternoon after the horrible letter about closing my account down and asked them for a full explantion.....first, the letter said that it was clear I was unwilling to abide by their terms & conditions, which I said that I was more than willing, she told me I was obviously not, so I told her that the charges were from several years ago so they should have told me at that time I was not abiding to their said terms & conditions, blah blah blah.
Then, I said that it did not state anywhere in their terms & conditions that you must not seek a refund of your charges in court or your account would be closed to which she said that they were closing my account as stated in 30 days. I asked if that was their final decision to which she replaied yes. I asked if they close the accounts of all customers who seek a refund of charges and she said those who take them to court, yes. If I wished, I could write again to them however she would not wish me to waste my time. Oh dear.
So, I've now got a nice new account with Abbey, I will most certainly not go overdrawn again and be very careful in the future. Plus, I found out I can move my son's trustfund account from Nationwide too so they've lost out there too, serve them right.
Hurray!