filthistfis, you are not more likely, or more deserving of a refund of these charges than anyone else simply because you are on benefit. The charges are extortionate though. A lot of banks and credit cards have reduced these charges to �12 (fsa guideline - Not law) which is tolerable and fair. I suggest you close your account with natwest and go to a bank that charges less if you make this mistake again.
Ive paid over �4000 in bank charges as a student over the last 4 years and it sickens me to think, in times of my desperation, that this money has ended up in the bank's pocket.