found this very interesting/helpfull site http://www.consumercorner.co.uk (need to register)click on members forum to read all threads etc f**king robbing b**tards :rant: have already sent my letter ;) suppose got nothing to lose

trust me on this one, they can refund bank charges, you just have to keep moaning,

theyll tell u from the start "theres no way we can reverse it" which is complete *****cks i guarantee you its enterily up to them ive had them reversed lots of times and each time theyve tried fobbing me off.

demand to speak to the manager, if he still wont budge just say right **** u im going to close the account unless u reverse the charge. same as every single finance agency ive ever come across, theyll all deny they have the power to cough up money but if you make enough fuss they will in the end.