Thx so much for all of your replies! Was on my hols camping and for the first time in a long time when I got back last week I was missing my little ones! LOL! I'm really happy everything turned out ok with that family because their little boy ... although a terror... is the sweetest thing. So their bank actually called me and apologized for their mistake it was their error so the bank actually reimbursed me for all the NSF fees, I had 3 cheques going through not knowing that I had no funds in that account! Anyways, hope it doesn't happen again!!