OK admittedly, they have said that I can apply to refund charges once I pay them a cheque for 13p...but...
Checked account, wrote a cheque that was comfortably within my balance, but bank charges took me over. They charged me £15 once off, and £6 per day.
Had account for, oooh, 10 years and been over my limit, er...never. I have to say my blood pressure rose a bit after I'd opened the letter.