This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

It is normal to have some difference in size. In fact having identical breasts is, as far as I know, unheard of. Of course I haven't seen yours and if there is a whole cup size different then that does sound like it might be a bit noticable. However it may not be. It may be that you're the only person who has noticed. Of course if you can't live with them as they are then obviously that is still a problem.

Got a letter through asuging me that the charges do not contravene regulations. But they've refunded £793 and canceled £100. How nice of them Probably not going to stop me from going to court though.

I bought myself a chair with some of the money. A comfy computer chair, all the better for sitting in while I work on the spreadsheets and court documents. Bwa hahahahahahah

I went' to the cash machine today and found a whole lot more money that I was expecting in my account. They appear to have refunded 25 charges. I'm not really feeling up to checking if that's all of it right now as I am a bit drunk from my birthday night out. And the mad fools haven't sent me a letter or anything. As far as I can tell the money is mine. Q

Capital one have replied to my LBA withdrawing their goodwill offer. So it looks like I'll be going to court with them as well as Abbey. Oh well I've got nothing to loose except annother chunk of money.

Got a letter from Abbey. they are currently investigating my complaint and they are sorry for the delay. Their reserch is taking longer than expected. I wonder if they actually bother to read any letters that don't come from the court? H

Got the usual crab reply and sent off an LBA. Used the Goval Legal Centre version as it seemed a bit more... butch.

Have replied in the negative and sent an LBA

Got a reply from Capital one. The usual stuff about how they think their fees are fair and they disagree with thte OFT. However they are offering to reduce all my fees to £12 as a goodwill gesture, I'd probably have accepted this just to reduce the hassel if it weren't for the fact that they've just re-instated the overlimit fee on my account even though I am following my agreed payment plan and they've threatened me with a Debt collection agency. Any suggestions for my reply or how I should re-word the complaint settlement form? Q

I'd like to know this too. Abbey have takenn at least £2000 from me and I'm not sure what the best track for a claim in Scotland would be.

Letter away. Now I just have to wait.

Letter posted. Now I just have to wait.

Thanks for your comment.

Well it turned out I couldn't afford to post the letter. Now I can. I've adjusted the letter so I thought I'd post the adjusted form here so you guys can check it out before I make a fool of myself. Dear Sir/Madam, ACCOUNT NUMBER: XXXXXXXXX My request: I am writing to ask you to refund to me the charges which you have levied from my account over the last 3 years I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. If you say that they are not then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches in order to reassure me that your penalties really do reflect your costs. Additionally it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. These charges are causing me considerable discomfort. The benefits that are paid into this account are my only source of income and in paying these charges I find that I am running out of money. Last month we very nearly ran out of food and when this month’s charges are paid I expect to have difficulty feeding my children and I will probably have to go without food myself for a couple of days. Your responsibilities: I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. You concealment of the true nature of your charges has prevented me from asserting my right until now. What I require: I calculate that you have taken £1,981.00 plus interest of £19.75 that you have charged me in overdraft interest for the sum which you have taken. The total is £2,000.75 and I request full payment of that amount. This includes the charges that will be taken from my account on the 17th of August. My targets to resolve this matter: I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully,