This is all being sorted out isn't it and i have clawed back a fair amount of charges now, plus I found out a couple of days ago that my old mortgage company have been ordered by the FSA to repay charges, so i am persueing that line now, might end up with enough back for a holiday!!! Chill out TWR, there's nowt you can do about the banks now and the ordinary staff who sell you the policies and the savings accounts deserve a few hundred quid bonus, i used to get £100 a month bonus if I hit my target for selling shoes, it's only fair.