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I don't know much about this process at all, but I'm trying to learn... I did read in someone else's thread a few minutes ago that you may as well include the charges that are over 6 years old if they are just over due to court proceedings etc...

Thanx and good luck chris... I shall watch your thread with interest.

Thanx Vix. And for the reply in chriszammets thread. Hope I didn't hijack his thread, just thought I'd ask the question... all new to me!!

I'm interested to read where you've got to with FD. I've just started to add up the potential charges they have taken from me over the past 6 years and it feels complicated enough to me already, let alone at your stage. It is comforting to see that people have taken things forward though and won the money back. Do you mind me asking exactly what type of charges you've claimed for? I want to claim for Excess O/D and O/D fees?

I've just finished doing my sums. Although I'm missing at least 12 months worth of statements over the past 6 years the charges so far are just under £1,000. Well worth claiming back, don't you think! I shall wait for the move to happen first, to see if I do have the other statements in storage and just so I can focus on one thing at a time!! I know you said I could claim Excess O/D fee and O/D fee, are you 100% sure? Simply because I'm sure I read somewhere that you couldn't claim O/D fee, because that is what you pay for the service they offer you?? I shall go and have a read through Mondeo's stuff now.

Hi Vix. It has just occurred to me that even if the charges don't amount to enough to pay off the whole of my o/d and lets say worse case scenario FD do demand repayment, I could always do a 0% balance credit card thing to pay off the remaining amount couldn't I!? That thought in mind I feel a bit better, so will look into opening another current account just in case and continue to do my sums to see what they owe me. Will look at Mondeo's threads too, thanx for the tip. I'll keep you posted how I get on, would love to know how you progress too.

Thanks for your reply. I'm self employed so I think I may well have 6 years of statements in my old files. However, being in the process of moving house these are in storage at the moment! I do understand how to request them if necessary, that feels like the easy bit. I have quite a large overdraft with FD and I am worried if I set the ball rolling that they may try and close my account and demand repayment of the o/d. I couldn't repay it myself at the moment, but thought if I added up the charges they have taken from me, if this covered the o/d then I would know it could be repaid... by them effectively!! If you have any other advice it would be gratefully received.

Thanks. I shall go back and have another look, perhaps it just takes a while to sink in!!

I'm just starting to look into this whole process of claiming back charges. It will all be overdraft stuff that my claim will relate to but I am a little confused as to exactly what to claim for . I've tried to get clarification from other threads but I am still confused! Sorry, might be a bit thick! Financial stuff has a habit of making glaze over... I have on my account, 'Excess O/D fee', 'O/D fee' and 'Interest'. Depending on my spending some months have all or some of the above. The only charge that is constant is 'Interest' as my account is always overdrawn. Please can somebody help me to understand exactly what I can claim for. Thank you.