Bank Charges

Do as Salmonchild says. Just go into your branch and be polite yet firm with them.

When I got stung for £60 for going overdrawn by a couple of quid, because of an unexpected direct debit when I was in between jobs, NatWest credited it back after just being polite and explaining the situation.

Not an option with many banks at the mo, I applied about a week after the whole "test case" thing kicked off and all banks are now just sitting on the complaints until there told they have to pay. As they've appealed the decision it could be a while. Although they MUST act now if your in hardship (see the original linky above)