<prompt> Human: Ok, long one. Had an authorised OD from my student days, then it reverted without my permission to a chargeable OD account. Fine, whatever. Went back to uni for a year, still receiving charges, called my bank a month before term ended early April to see if I could back-track the charges by changing to a student account again, got told No. Thats fine, I know if I went back to a student account Id have had it up to at least September and would have had the interestcharges free OD for at least a few months and given me the chance to clear it. HOWEVER, instead of this, the bank suggested I speak with their money management team to find the best solution, fine, if they want to help, lets see what they say. Spoke with them, got told that as they couldnt back-trackrefund the charges from the start of term, what theyd do is get me set up with a different type of account that would be OD charge free for 6 months, sounds good, if they cant go back, then that offer lets me clear the OD with no charges, and probs easier than setting up the student account. The catch is Id lose my unauthorised OD facility, which was OK with me as you get crazy charges for using it and I didnt mind the trade off.So, they take ALL my financial details, incoming, outgoings, the lot, data harvest - a full crop.Next 2 months, I see OD charges, I think, oops, theyve made a mistake. Give my bank a call and I am told that my new account wouldnt have a free OD, but that what Id agreed to was 6 months of no UNAUTHORISED OD charges.This is where the snake eats its own tail and shit gets convulsive - of course I will have no unauth OD charges, cos they made me give up that facility as a condition of changing my account. I specifically had said on the phone when I agreed to change my account that I was doing so as it meant no charges going forward, and since it was as good as refunding charges which is what Id originally enquired about. There can be no confusion that was the implications given to me, 100 , otherwise why would I have gone through the whole carry-on of changing my account??The kicker is that by the time Id changed my account, and then still received charges, Id lost the opportunity to then apply for the student account - term had ended. I complained to the financial ombudsman, and then received 8 missed calls from my bank in a single day from their complaints dept wanting to resolve the issue. By this time Id been lied to and misled, and they werent interested in helping me. Now they had a potential complaint against them, they couldnt get in touch quick enough.I spoke with them, but told them I wasnt interested in finding a resolution as they, my bank, had lied to me, to either harvest my data, or cook their new account figures, whatever, which is more of an issue for me than charges, Lady on the phone said that the ombudsman couldnt continue with the complaint until they had had their chance to rectify it, but they had already had that chance and fobbed me off with the unauth OD bullshit. So really they lied to the ombudsman about that too, the only reason they want to help me now is because it will help them dodge this complaint. I lost patience with the woman on the phone from the bank who couldnt get this through her head, so I agreed she could send her rectification offer by post, which I would then be free to reject and only then could I go back to the ombudsman with my complaint they were effectively holding my ombudsman complaint to ransom by telling them that Id not attempted to first resolve it with themInstead though, theyve dumped and undetermined amount of cash into my account, without any contact from them - presumably as their act of rectification. But I never agreed to that at all, never even got asked if thats what I wanted or if I found it acceptable, in fact, Id rather of allowed the ombudsman complaint to have stood, cleared my OD then just switched banks away from them lying fucks.Now Im thinking they have ballsed up big-time and have scrambled to avoid any further investigation from the ombudsman. What do I do?  <response>: Just phone up the ombudsman and tell them that as far as you are aware the bank considers the case closed and that you want to pursue it. I say phone as it will probably require a little explanation on your part. 