Where have you been stranger ? I thought i was in for a bollocking because i mentioned about our fight during the KT's first meeting in 1978 ?
(see Last photo at bottom)
http://helpdesk.ebid.net/showthread.php?t=92256
PS I've just got £100 from Halifax for changing mortgage 2 years ago they charged £175 instead of £75 as a leaving fee.
I've had a £2500 Overdraft with Lloyds for at least 10 years i've got the letters and anticipate writing to them quite soon. I've also got £2501 to put into the account as an emergency fall back and 2 other accounts with other banks aswell to migrate to in case they ask me to close the account.