thanks all.alliance and leicester next so i will be hanging around.im sure that in around 4 days buffy you will be as happy as me.i would never have attempted it if it wernt for this forum.thanks all

update. They paid up. i checked my bank online today and had the full amount paid in.it showed as cash payment.im expecting a letter now.thanks all for all the help and for anyone wondering whether to start a claim,dont worry,just do it and get your money back.i cant believe how easy it turned out to be

hope its as simple as that

update;this morning i recieved a letter from the court.it says notice that acknowledgement of service has been filed,indicating that the bank intends to defend all of the claim and that the bank has 28 days to file a defence

just do as ive been advised on here and stick to your timescale.i had a letter from them thanking me for my complaint and stating they had 8 weeks to look into it,then another letter claiming their charges are valid and refusing my complaint but i just carried on with the timescale that i set.keep control and dont let them fob you off or slow you down

now that would be nice.have to wait and see,all the waiting is nerve wrecking at times

i dont know.the lady on the phone just said they asked for mor time as needed more info.as soon as i get it in writing i will ask

i have done all the lettesr and court papers and the bank had till 11 june to respond to the court,i rang the court today and the bank have asked for more time as they need more info.the court has given them till the 25 june.is this normal?

after reading these forums i got all my statements after a phone call,they charged me £5 and i got them within 2 weeks.i sent the first letter with a list of all charges and got a letter from them today thanking me for my complaint.it says they will respond within 4 weeks.i will tell more as it happens