Oh dear:-( Sounds typical though!! You have to def speak in person to get anything done. In a small local branch of my bank,Northern N.I.when they were trying to put all those quarterly charges onto my account,for going over �2.43 and I'd immeadiately then credited the same account with �10 (all happened on the same day when i realised my mistake)I just asked to speak to the manager! Politely explained how long i had been an "in the blue" customer with their bank,and that if they went ahead and practically "stole" money from my account with bank charges for the next 3 months,i would be closing the same account. Common sense prevailed,the charges were waived and I kept the account!...