Thanks for that Maverick.Perhaps I am being too sentimental, we have both banked with Midland/HSBC since we left school in the eighties. This whole thing has left me with a real f*ck 'em attitude. We will be changing banks. They didn't make that much profit by being ethical did they? Question is, who to go to?

Hi all. I've tried to post before but I'm not very good at this sort of thing. After 2 letters we got an offer today on our joint account. It is just over £100 less than the £2100 we were after, but we are accepting anyway. The acceptance letter has no conditions attached at all. Can I right back saying we accept but only if they stop imposing the charges? Im also writing back asking for £800 on my account. Good luck to all.