[Kisser]

The Daily Mail has been running a campaign about Bank Charges for a while now and on their website you can download letters to send to your bank.

http://www.thisismoney.co.uk/reclaimbankcharges

I have a couple of bank accounts with the Halifax and over the years have accumulated a few bank charges. I sent the stage one letter a few weeks ago and received six years of bank statements for a £5 charge on each account. I am now up to stage 2 of reclaiming the money back.

I am not sure how easy it will be to get the money back and will keep you all posted - but I would certainly not pay someone else to do the work! I have only sent two letters!

As Entwisi says they will most likely offer you a sum less than the amount you ask for - but according to the Daily Mail you should turn this down and fight for the full amount.

Spud - you are able to reclaim bank charges even though you are not with the bank anymore, as you can reclaim for the past six years. Write to the bank using the letters from the Daily Mail.

If they threaten closure of your account then you can claim compensation and the Daily Mail website has a letter for this too! I wouldn't let closure of the account worry you Spud - its only a few quid they owe me, but just one charge of £35 is a night out, why should it be in the Halifax's pocket and not yours!