Hi, Sorry for jumping in like that but I feel I have a similar case. Anyone else here who has been had by Barclays Additions and Additions plus accounts? I have banked with Barclays for the past 11 years (since 1996) and some time during '97 THEY upgraded my account whithout my written permission and started to charge me £5/month for what they call an Additions Account. This fee kept rising every year or so and currently they are charging me £11.50 per month. All this while I used to think that this amount is some sort of Bank fee/charges for accounting with them and something you have to do with just about any Bank Account. The Barclays Additions members here would know that this charge is for some extra services that Barclays is providing its customers. They include intrest free overdraft facility, Roadside breakdown cover, Gas or Central Heating cover, plumbing etc. etc. As I was not aware of these services I have been paying for, I kept spending elsewhere for getting these services all these years. When they increased this fee to the aforementioned amount of 11.50 I grew interested in finding out what it was about. Moreover, I started questioning the fee itself, because, as a customer I felt that the bank should NOT be charging for having an account with them (it should be the other way round.... right?) I aproached my branch and asked them for a total refund with interest as I never opted for this scheme in the first place. I was very cross because I remembered unclogging my drains myself not knowing I am covered for it for the past 10 years ... grrrr. They forwarded my complaint this Thursday to their 48 hours service Complaint Department. Within this time I calculated what they actually owe me and arrived at an amount of £750/- (without interest). This morning I received a letter from Barclays that says: They advised me through post each time the Additions fee was increased and that it was MY responsibility to check back with the bank to discontinue this facility. In this letter as what they call a 'gesture of goodwill' have refunded me a sum of £34.50. This could be an amount I have paid since they last sent me a letter showing an increase in the fee. They have also discontinued my Additions and changed my account to Standard Current Account. Now, this means I never opted for the Additions account and never opted out of it on paper. They have been doing it all by themselves. They have given me a period of 8 weeks to continue this matter with them before they consider it a 'case closed'. This letter also advised me to go to the Financial Ombudsman Service becaue the bank has not been able to give me a full refund. Wow. I thought I was to threaten them with this. I have had some advice here at CAG that I need to send them a letter saying this is not acceptable (I have seen a template here) and that I will go to small claims. Problem is that so far my complaint to them has been verbal ... so I never sent them a complaint letter or what I understand from CAG a ... Letter Before Action. I hope it is not too late me to start written communication with the bank. Anyone here who could advise me about my next move. Any more people who are in the same boat as I am ... Additions members? Love Autumn