just looked at doing this as a while back when i was with nationwide i was really bad with money! went through 2 cheque books with out any money in the bank at £25 charge per cheque!!!! took me 3 years to pay it off plus other charges, online banking only shows me the last years statements which still have 90ish pounds worth of charges so i think i'll be sending a letter!!! if it comes through, new turbo and a much needed respray!!!