Radio 4 had a programme covering the issue of reclaiming bank charges. They also just had a good one on Privacy in peril which cover identity theft and use of information stored on us in databases such as credit card info.
But back to bank charges, which it seems well worth reclaiming any that have been made against you for missing credit card repayment, bounced direct debits or cheques, or unauthorised overdrafts in last six years (maybe more in Scotland, yet to check out, but there is lower limit of £750 at small claims court in Scotland). There are several websites with templates for letters to write and then small claims court procedure which will result in getting charges refunded. There are various other web forums where one can follow others success with this.
Basically given the government wish to save money by scrapping post office basic bank account to force use all to use banks to have benefits and pensions paid into; it is good people are taking on the banks over there unlawful use of bank charges to fund the advertising blurb of ‘free banking’ where 20% of often poorest customers who incur most charges fund wider current account system through bank charges that amount to extortion. The law says that charges that cover more than admin costs are an unfair penalty and that is unlawful.
Also the only local cash till in my area was converted to fee charging cash till that only warns on it is a pay cash till in blue writing in thing font on blue background.