I'm sure the bank is upto someting fishy...
I, like the majority of unhappy bank customers in the UK right now, am in the process of claiming back all the charges over the last few years that my account has incurred through one means or another.
I sent all the appropriate, calm & respectful letters, & shock horror, received little help from anyone I spoke to, bar one lad in the Customer Services Dept who thought I'd been taken for a ride & got the ball rolling, which was really sweet even if it was 3 weeks too late. It got to the point where Abbey was no longer speaking to me. I got one letter telling me it would take them a further 8 weeks to perform a full investigation. I had given them 14 days!!! I told them a second time they had 14 days to come to some kind of arrangement. On the 14th day, after no response again, I processed the scarey court papers I told them I would, claiming back my charges, interest & court fees. Two days after I did this I received another letter from the bank. This one told me they appologised for the delay in sorting out my issue, but that they still needed a further 8 weeks. By law they only have 8 weeks in total to sort this kind of problem out. They even, & this is really nice, enclosed a leaflet for the Financial Ombudsmen, the body who's job it is to sort things out like this for free, even if it takes well over thier 6 MONTH projected time span!!! Needless to say, this letter & my court papers crossed paths in the mail. T he he. 
Today I checked my bank balance, as I have done every day since registering my complaint officially. I was shocked & pleased (for a few seconds) to see my balance was a full £450 higher than it had been the day before. I investigated further to see where this extra income had appeared from. A nice list of 13 bank charge refunds met my eyes. Sweet! I thought, but then the truth of the matter hit me full in the face. That was less than a third of what I am owed!!! "Where's the rest!" I shouted at the computer screen. I wanted to call the bank & give them a piece of my mind, I refrained. I rang my sister (the lawyer) instead. We decided it was best not to touch the money. Not even to move it from that account to another, incase it was an offer of repayment & that by acting on that money I was accepting it as full payment for what I'm owed. NO WAY in the world is that going to happen!!! So, with no letter of explanation as to why they only gave me the amount they did, or why they have given that amount to me, it stays there idle & immobile. I cannot touch it. If a letter turns up in the morning I'll be intreagued as to what it has to say for itself. No letter in the morning, what do I do? I would be tempted to call the bank. Maybe I should. What is the reason for a parcial payment anyway? They'd have been better off giving me nothing at all at this point, because by bribing me (well that's what it feels like) they're admitting that I am entitled to the money I've requested from them, but that they just don't want to give it to me. Well, cough up Abbey I do not accept your pitiful offer of less than a third of what you owe me! How dare you insult my intelligence with your meaningless gesture of "good will" blah blah blah. I'm not stupid, I know my rights, so be prepared for a battle if you wish!!!!! Mwha ha ha ha haaaaa!!!!!!!!!