I know rich guys like Hamish don't / have never paid bank charges but for those poor souls like me that have / do.
Take a look at <<http://www.consumeractiongroup.co.uk/>> I followed there advice an my bank has just paid me back all the charges and the interest on those charges for the last 6 years. An it don't half add up!
Its a very rare thing to beat the big boys but it worked for me. I'm now going to do the same on my other bank account. SPREAD THE NEWS!!!!

You don't have to be a scot to wear a kilt just do it.