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Hi guys Some good advice here and I am aswell as below going to be taken action re unfair charges - and this course of action has arrisen because of my banks unreasonableness on another issue. I would be interested in your thoughts. My profession is book-keeping and accounting services. I have had a personal account for 17 plus years. When I started my business 4 years ago Barclays told me that I should not run my business transactions in my personal account. Well I was only payin in monthly cheques but agreed. Many charges were applied and life insurance sold etc. Then one of the managers asked me in to discuss some software called clearly-bookkeeping. Now he fully understood that i did not need it as part of my business. But he told me (and mis-sold me) that if I took the package costing £25 odd a month, he could pass bank customers on to me and I could possibly advise customers on this book-keeping software. Barclays were heavily promoting the software and I could tell from his eagerness he only really wanted a sale. Suffice to say I walked away and did not hear once from them. This after a 17 year relationship turned me against them, and a friend who is a manager of Lloyds asked me to open an account there. I did this and used Lloyds since then and my Barclays accounts lapsed into overdrafts and charges such as discussed on this forum were applied. Now this would never had happened if I was not mis-sold the software. A few weeks back, out of the blue I had two letters telling me to pay back immediately a total £2500 overdrafts. I could not do this and pullled out all the stops to find the money which I did not have and had to borrow. I wrote a letter to the bank about the above situation and the manager called me in. I spoke about the mis-selling by another manager and he was not interested, he just wanted repayment back. I wanted to deduct the software cost off but he told me it was a different matter and to repay the overdraft and he would talk to his supervisor to see if he could get a refund. So I agreed and managed to pay from the borrowed money. Today I get a letter telling me that account is closed, however personal account is not since transactions have gone through since (even through I was told no more drawing would be allowed - and I bet its the Barclays Life Assurance which got paid) At the bottom of the letter it says that the cost of the software would not be paid since I did not return it in 7 days. I feel Barlcays have really done me over and would welcome your comments.