It does seem that way. I have read through lots of the letters that other people have sent to banks and feel that perhaps my first step would be to ask for a schedule of all charges made to my account and the reasons for them, along with some kind of proof that the charges were necessary.
If, then, they do not provide proof, then it could be time to start asking for the money back.
I suppose this way, they receive a bit of a warning shot and I can see whether it's even possible for me to get the money back before I start charging in and asking for it.
So, to this end, I notice from other letters that I will need to make a request for the information under the Data Protection Act and set a deadline for it. And I also read that they may charge for this service - suppose they could take it out of my account, and then charge me an extra £28 for the privelige.
On another note, I'd like to say that this website is an extremely good idea and I hope it can go from strength to strength! Good work guys.