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bank charges

hi i would like to find out if i can still re-claim bank charges if i still owe money to them (rbs). i had a loan with them about 6 yrs ago but had to stop work so stopped paying it therefor the started charging me all the time. they also said that iwas going to court got the court letter in and everything but that was 2yrs ago and then i got a letter from the bank saying the account is now closed! so can i still get them back? please help ps since then i have opened a new account with halifax.

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