Shabby decided to only refund part of my charges as a "Gesture Of Good Will" so i went to the FOS. They settled 100% after a few Months but tried to close my account so that i couldn't get at my money. The FOS threatened them with legal action and i now have paid off my overdraft and £1,225.90p to spend
I was thinking of buying a Ford Capri but then i realised i can't drive
Seriously, try the FOS before you part with any money for court action. People say that they're a toothless tiger but they came up trumps for me