How to reclaim bank charges, stop and recover penalty charges from your bank for the past six years.

Don't for one moment think that these unfair bank charges are an acceptable penalty for going overdrawn without permission - they are not. You may get a friendly smile from the bank clerk that counts your money but when push comes to shove, they will do both.

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These are institutions who believe that morals are wall paintings and ethics is a county north of the Thames and when the world was calling political foul, they were investing in countries governed by despots and companies exploiting workers across the world.

They have made tens of thousands of people in the UK redundant and moved their call centres to third world countries where they can employ staff for a pittance. So when you have a financial problem, don't for one moment think they will care about you. They will lend you money if you have security and they will extort the highest rate of interest and charges they can get away with because you have few options. The more desperate you are, the more they will squeeze you and squeeze you till you are dry.

If you are angry then do something to recover those bank charges.