Hi this is my first post, but have watched for a while. I have all my bank statements required and worked out how much I was owed ( should say we as it is a joint account with hubby) one account £656 in charges the other £4655 in charges. I sent off the first letter on 16th Nove 2006 to our local branch in Scotland got a basic reply, then sent letter 2 (saying we would take them to court in England) on 4th Jan 2007 got another standard reply saying it had been sent to customer relations dept for further action. Now here is where it falls apart as I have not followed it up since then, do I have to start from the beginning again and this time to head office or just go ahead and take them to court. Because of the amounts involved we have family in England and will do it through moneyclaim. Help Thanks Joanne