Crikey.
You really should not write cheques that you can't afford though, for example.
I pay my credit card by Switch every month, since there's always a chance that I won't have paid myself any money in time to cover a direct debit. The last couple of times I have been a day late, and my card statement says "Late fee - £20", then the next line says "Automatic late fee reversal". Cool huh
My bank charge me about £1 for every cheque that I write, £1 for every cheque that I bank, and £0.50 for every £100 cash that I withdraw.
but I know this, so I don't know if it's fair to go after them for all this money back, is it?
They have routinely credited me for £30 charges in the past, where a supplier has cashed a cheque, and the money has gone out of my account only a day before they have credited my account with cheques that I have paid in. So they've been good like that really, to a point.
but ~£1,000 p/a in charges is really bad. How many of those charges relate to cheques being bounced on other people?