I'm still puzzled about these. I'd always assumed that they were a fixed monthly charge for use of the overdraft facility. however, on looking at my records as a whole, I'm not so sure. I get charged in retrospect for each set period. From 2000 to 2003,where there were no "transgressions" the charge was £8. 1 or 2 slips brought it to £10, and more to up to £25. This was on top of Failed Direct Debit Charges, etc. What is really confusing is that I was charged £10 or £25 several times for periods when the records show no bounced payments. In 2003 the basic charge seemed to drop to £5 per month, but the £25 penalty remained When I asked the girl at A & L about this she said the £25 would relate to failed transactions, but she could not tell me what the Monthly Overdraft Charge was for any of the years which I am checking, so that makes it difficult to assess what proportion, if any, is punitive. Advice please, before I submit my claim. Moira

Thanks Seminole for your reply - I'll take the monthly fees out of tje spreadsheet - it was just that I thought I'd remembered seeing advice to include them on Martin Lewis's website. But I could have been having a Senior Moment! Moira

Thanks to anyone who answered my query about the spreadsheets. Can anyone advise me if I should claim or not for the monthly overdraft charges? I'm about to send the letter requesting repayment, and I don't want to include these if they're legal. Moira

:-? Help! I'm Moira & I'm new to all this & don't want to make a mistake! I've got my records for the last 6 years from A & L - on the 40th day! When I phoned to check if they were coming, on day 30, they denied all knowledge ans said my letter must have been lost in the post. Then I pointed out that they had cashed my cheque for £10 - the statutory maximum fee. The operative said that they processed all cheques quickly, to aid the payee (in this case themselves), but that accompanying letters could easily get lost!!!!! :-?:shock:She said that she would email the relevant dept. I said that the original deadline still stood. That was FUN Can I reclaim A & L's "Monthly OD Charge" - after all I also pay a fee for the maintenance of the agreed OD? Also, is the interest referred to in the initial claim letter the same as the interest calculated on the spreadsheet? I'm about to compose this letter and don't want to go wrong, as 2-3 thousand pounds are involved Looking forward to some enlightenment!