I hate Shabby National with a vengence & I used to work for them. They screwed me out of hundreds, until I rang to complain & sent a letter of complaint. To which they reduced the amount I actually owed by about £400. The recent spate of claiming the bank charges back isn't new as I believe I got fairly lucky with this about 6 years ago. Wouldn't touch them with a barge pole now & have been happy ever since