When I opened a fresh bank account, I even transferred the loan payment to the new account and then cancelled it. It made no difference whatsoever.
After being treated like that, I don't think I would ever bother trying to reclaim bank charges as it would just go straight back to them!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk