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I woke up yesterday morning and there was a letter from the banks. I would normally type it all up but its long. Basically they have offered me abt 50% of what i was asking. I would have prefered 100% but at leats this is a sign of weakness and they know there wrong. I am going to write them a letter and say i want it all. i dont want to go down the court route but to get all my money back i intend to.

thanks a lot for the guide.. that seems to be exactly what i need i will modify it to suit and hope it fits..

Thanks for the tip but i have tried everything and there is no way that i could fit what this site say i need to say in that little box on the claim site no matter how i try to arrange it. is it possible for you to paste what you put in the box,please? if i cant do it online will have to go by way of letter.. is the template on here exactly what i must say?

I am halfway through filling out my money claim (online) the prob there is that it says i have only a certain amount of letters i can type.abt (1080) Using a template i got from here adds up to abt (1870) is there a smaller template that will allow me to do my money claim on line?

Got home today and there was a letter from the Barclays saying I am sorry you are unhappy wiht the charges you have incurred. Your comments are receiving attention and one of my team will contact you again by 16 June. Bla bla From Mike Brophy What i dont understand is that they know they have only 14 days and what there saying is there going to take abt 30!! (just makes me laugh) So the next step is to go through the money claim process???? is that right?? When do i start there deadline of 14 days till i can go court is it fom the date i sent them the first letter??? Thanks yet again for help..

dont think it could be down to anything else as i have been unable to obtain credit anywhere anytime!!!! am i right in thinking this is not worth the effort that would be involved??

was reading this and was wondering.. i have been bad with banks since i first got an account and got charges from word go. I now think this is the reason that from 18 to 26 (which i am now) i have been unable to get a credit card, loan or anything. The only thing i got was a car from yes car credit which i paid heavily for. Surely the reason i couldnt get it from a proper garage was because of the banks giving a bad credit thing!! Does this mean all money i owe yes car credit (Which i never would have got if there were other options) is actually refundable.. will never pursue but it theory is that right?

Thats the prob. the only info i have is my name and i cant remember where was living at time. there a possible 2 address at which the account might have been. Will there be sufficent mean to trace the account and i am worried that they will not send out the request.. Cheers.. Just wanna get the ball rolling.

I have just got home and on the floor was a nice little letter from open plan. I rang them 2 days ago to ask for a list of charges incured to my account and they sent them dated and everything in 2 days!!! I am still waiting for the statements to arrive from dpa and wonder if they ever will. Think they have about 10 days left of the 40!! According to the letter i got from openplan they owe me only £660 from charges. I checked bank details on computer and it seems to be right. i am still going to check it out when the statements arrive as i have little faith in there honesty! Also if they was to forget to add a few charges im sure they would make the ones older than a year dissapere because they must know on a comp you can only check back 1 year.. Am going to write the first letter to bank now and ask for the £660 back. When the statements arrive i will do a proper check and see al is correct. (Funny how Open plan could supply me with details in 2 days yet it takes the dpa forever!!!) Have yet to send a letter to Lloyds TSB to find that missing account bu will do as them 3 years were the time i incured most charges. Do i need to get my old account number before writing a dpa request first???? Thank you. you are being gret help.. Will keep ya posted

after abt 25 days i am still waiting for my statements to arrive. I rang up the dpa people and they assure me they are on there way. After reading a post on here i decided to ring up openplan and ask them if they could send me out a list of charges that i have obtained. They said yes and offered to work out the interest as well. This was free of charge and they say itll be sent out tomorrow(very handy) While on the phone i asked if they could tell me when i had opened the account. It turns out i have had this account for only 3 years! My problem now is i know the other account was with the Lloyds/Tsb. But i do not have any details!!! Does anybody know how i can obtain these? Another problem is when i stopped using the account i owed them £500 ish because they put it in my account and i spent it and couldnt pay it back!!!(might as well be honest) Does this stop me making a claim for the money from charges?? Plz somebody help.. Thanks.

Cheers alan. When i get statements and work out money owed. if its say £6500 or more they owe. will still go for all the money but if its just bit over will prob let em off. lol

I was reading abt claiming money back from my bank and thought id try as in the last 6 years i have lost at least £4000 in charges(i think). so i got the dpa letter template from this site and sent it to woolwich office on 25th April. with a blank cheque for £10. On the 4th of May i revieved a letter back for Barclays data protection. In the letter they said in the first paragraph that there not under obligation to supply me with a list of charges that i requested. But they did say that it could be worked out from statement copies that they will send to me without charge and the cheque i sent was enclosed. At the end of the letter they go on to say that they will charge me £10 to (what i think) work out my charges. is this right??? They also say that they dont record details of charges. at least thats what i think they mean Any way am waiting for statements to come through. Hope i get my money back and am sure itll be loads. Was wondering if its a bit over £5000 should i only claim for £5000 as i gather its a different process to claim more than £5000. Thanks for all the advice and i will keep you posted.. Ricky:)