Hi, I'm pretty new to CAG, but firstly want to say a big thank you for helping me to get my wife's charges refunded, and those of two of her friends (so far...) However, one thing I noticed when we got her charges refunded from the Halifax, was that they insisted on her signing a piece of paper stating firstly that she accepted the cheque as full and final settlement, blah blah i.e. can't hit them again over this issue. Fair enough. Secondly, however, it stated that she was aware of their scale of charges and consented to being charged these amounts in the future if her account breaches their conditions. SO ... in spite of having agreed that the charges she had already paid were unfair/illegal, and giving her back their money, they have now got her to sign a piece of paper saying that she agrees that they can continue to charge in this manner... (and ^SIGH^ I'm afraid she has already paid about four, at £35 a time ... the last one was for bouncing a payment of less than £4) Is this kosher? Can they make this stick? Do we have grounds for another refund claim? All advice gratefully appreciated!