I could do with some advice on this as well. I have just remortgaged because of change of circumstances. Whilst in the process of this I incurred over �400 bank charges for overdraft excess, returned direct debits/standing orders, etc. I am now in the process of trying to get this back. The mortgage lender will have nothing to do with it even though they stalled the whole process by over two months. The bank which just happens to be Lloyds TSB are saying they are not to blame, so although I am not giving up, I am also in a quandry.