At end of 2006 I sent a DPA letter requesting past 6 years statements, which I duly received.
Eventually, at end April, I sent a preliminary letter to my local branch in Northern Ireland. The amount was approx £5000 (with a breakdown shown on an attached spreadsheet) plus 8% interest on this amount.
I got a letter back from Swindon at start of May thanking me for my feedback, giving the "rationale behind their charging policy", and offering some useful tips on how to avoid bank charges.
I now want to proceed and get money back. (Apparently N/wide don't tend to give in without a fight . I've now realised that I probably shouldn't have sent the spreadsheet with the prelim, and the 8% is on each individual charge not the total, doh.
As NI small claims is max £2000, I plan to claim for charges from say 2006-current as the 8% interest should bring up to about the max. I take it the £2k has to incl the interest ?
Any pointers would be greatly apprec.
Thanks.