Hi steven.
It is now going through the court system.
No reply from the banks yet.
I have aproached them (lloyds) with info that clearly states that Northern Rock staff used to apply a penalty charging structure to account that are not penalty free.
This is exact wording form the manual I was given when I worked for there headquarters..
The idea was to rattle the cages and the lady i spoke to said this info was way over her head. I showed her some of the case work I have got off cag and she said she didnt understand but she had a smile on her face and said the manager is off on a training course.
The idea would be to comvince a a judge if they did not show up but I guess i can use this info on my account they closed when I left as a member of staff at Northern Rock.
I no its a LLoyds case but we are compareing info from other banks which is what I have picked up on here when we go to court right.