Bank: CO-OP Amount claimed: £1,706:11 Amount paid: £1,911:60 Started the process on April 1st 2007 and received last 6 years bank charges information within 6 weeks. Used template letter to request refund for £1,706:11 (without interest) and recieved a letter stating that they were looking into it and would get back to me within 4 weeks. Sent a further template letter stating that I would take court action unless they re-paid and got a letter in return along similar lines to the first. Incredibly as I sat at my computer to fill in the on-line small claim pages, the postman arrived with a letter from the CO-OP. It said that as a gesture of goodwill that they were agreeing to a full refund plus interest, adding that the amount of £,1911:60 would be credited to my account over the next few days.

Friends have been telling me for the last year to re-claim my charges but I put it off until last month. I`m now kicking myself because my friends seemed to get very little resistance when re-claiming and because the banks have had minor victories recently they appear to be putting up more of a fight. I`m now not as sure that I`ll get some/all of my money back as I was when I started. My claim is against the CO-OP for £1,733 and they`ve replied stating that they`re `looking into it`. I sent a letter threatening to take them to court 2 weeks ago and have received no reply. I`m now deliberating whether to try the financial ombudsman or put a claim through the small claims court. :???: