I know someone who works for natwest who said the bank may start playing "hardball" . If you claim back all the charges and have either loans/overdrafts/creditcards with the same bank,they are within there rights to demand them paying back in full within 14 days
. Aparently its in the small print of the agrement they didnt want to put me off (its a mate) he just said switch all of them to a different lender befor you claim
.I havnt heard this has actually happend to anyone yet but its worth thinking about. I need to move some of mine before i claim