hi dotty,

unfortunatly no one is in a position to reclaim any bank charges because although the OFT has won the first round against the banks in regards to unfair charges they are going back to court to fight to get the charge amounts reduced. If they are succesfull then you will be claim charges back but may take a while as everyone will be doing it!!!

Also i would advise not to use a company as they will take a cut, do it yourself, it's really easy!