The reply came more rapidly than expected, dropped on to my mat on the 29th. Very lame response, we are sorry ..... our comments are receiving our attention.....please refer to the shiny leaflet that we provided! They say they will look at the case within 4 weeks with a guaranteed response within 8 weeks. Clearly just a computer generated letter, 14 days is nearly up and without a positive reply, so guess going to have to send the next letter which gives them another 14 days? Think doing things right but a friendly eye to check with would be good.

Hello all, have been reading other treads with interest over the last couple of weeks, and have already received statements and added up the nice total of £795 over the last 6 years! Using some of the templates (thanks 2 however wrote) sent a super little letter off demanding the return... blah blah. (see below) 22 Jan 2007 Barclays Bank PLC 1 Church Hill Place London E14 5HP RE: Request for repayment of charges – Acc No: 000000000 I am writing to ask you to refund to me the charges which you have levied from my account over the last 4 years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair ‘per se’ by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. I calculate that you have taken £795 in charges. I enclose a schedule of the charges which I am claiming with this letter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, ME!

thanks for rapid response. On that advice have written letter: RE: Request for Lower Repayment Installments Reference: *************** Dear Sir/Madam I am writing in reference to the amount of £3879.30 that is still outstanding on my account. Since this amount was transferred in to your hands from the credit card company Mint, I am managed to repay nothing on this amount. However this is not been my decision as I have been told on numerous occasions that the lowest payment that will be accepted is 10% (£387) which is an amount which I am unable to afford on a monthly basis. I accept the debt that I have, and would like to form a positive relationship with my creditors in order to pay all outstanding amounts on a pro-rata basis. I have enclosed an Income and Expenditure sheet that shows in detail my and my partners finances, and money remaining for creditors. It is using this information take I would like to commence a monthly payment plan with Triton for the sum of £90, I would be grateful if a standing order could be set up for this amount. When either my or my partners financial situation alters in any way, I will inform you and payment can be increased until amount is settled. I hope that as a company, Triton will take a common sense perspective on this amount owed and except the payments which I am able to afford. Yours Sincerely, N.Haines Have I missed anything out?? Also on your comment on reclaiming charges on the closed credit card will they take off the default notices too?? and can I relly claim for a closed card? cheers

I have a £3400 debt from a Mint credit card which was transferred to a collection agency after I could not keep up with the monthly payments. I have being trying to keep up a positive relationship with the company (Triton Collections) however they will only accept 10% in payment - ie £350 or nothing. Clearly I can't pay 10% each month but offers of £100 have been refused. Due to this I am facing interest on the owed amount and not shifting any of the debt. How can I get them to accept lower amounts as repayment so I don't end up with bailiffs at my door! Any help would be amazing, stressing bout it now! Got a claim going through with Barclay's for charges too!

least your doing something about it. court does not sound that bad, i dont think u even have to step in one!

Have just started my claim too, but with Barclays, however have a Nationwide account too. Been hearing that Nationwide are harsh with closing your account when they have paid out? It being my main account not sure whether to risk it or not? any thoughts?