right, i phoned a lovely scottish lady to find out the score, after reading on the front of my statement that they have "reviewed my account" and decided not to apply the charge **this** june, however subject to another review next june i may be charged then, but they will inform me in writing if they plan to do so.
the main thing is: CHECK YOUR STATEMENT - if it says they're not going to charge you they shouldn't, but she advised me to keep a copy of that statement safe just in case...
damned thrifty scots
