Just wanted to check how you were getting on with your claim.

Wel Ladies and Gents, looks like round two was a much shorter battle as the bank sent me a letter saying that they are going to pay me my £165 bank and also waiver my charges in April. Of course they have said this is all just a matter of good will and they are under no obligation to do it but they are doing it non the less. I feel a little deflated that it was such a short battle this time, and a bit let down that they didn't put up much of a fight. Oh well I'm going to be sending my Data Information Letters to Capital One, Lloyds Master Card and Mint in the next week or so and then I'll be asking them for my money back in Charges. Big Thank to everyone on this site and I think you have created a monster, because heaven help any financial organisation that hits me with an unfair charge again!

Congratulations, enjoy spending it.

Thanks Barty, glad you caught it. One of the other girls on has used the site too, we were both telling Gordon Burns all about it. Hopefully it will get more people taking on their banks

Well Lloyds TSB didn't even bother to reply to my Prelim letter and the gets have applied another £65 worth of charges this month! I'm sending my LBA today adding in the further charges. I have a feeling they may also ignore that letter too. I have a friend that works in the LTSB IT department and apparently they have had to create a dedicated department to deal with all the requests for refunds of bank charges now...so looks like we are having an effect on them. In other news I will be on Northwest tonight this evening, been interviewed about my recent sucessful claim. Wish me Luck. Tracey x

If you go to the Templates Libary there are spreadsheets you can download to work it out for you. Here is a Link: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Thats for the 8% (remember you don't include it till you submit your claim to court) I'm not clear on the new contractual interest thingy but there are some articles on here about it.

I did indeed send that letter and I'm sure that was the kick in the bum that SCM needed to orgainse the settlement. I've actually been apporached by BBC NorthWest tonight to go on and talk about my experiance, so hopefully I'll be able to create some publisity about the Site and the campaign. Thanks for everything and I've just sent my premlim letter for round two!

I'm certainly a lot less nervous and it's for a lot smaller amount, but its the priciple of it all.

Well hot on the heels of my recent sucess i'm going to start a new claim against Lloyds, so I'm about to send off my first request for payment for the bank charges that lloyds have recently charged me yet again...you would think that they would learn and stop charging me. Wish me luck again.

Good Luck and stick with it. Tracey

I've had so many doubts as i've been going through this and I nearly gave up on more then one occasion. But thanks to the people on this site I stuck with it and won. If I can win this that anyone can, it's really important that you read, read and read the step by step guide and other info on this site. If you follow that though you really can't go wrong. I'm a little in dis-beliefe at the moment as for the cost of 3 first clast stamps i've won £2500+ back from my bank. Just stick with it, don't let the banks delaying tactics get to you and if you need any help or advice come back to this forum. Tracey x

One final question on this Thread, i'm about to start a new one for the round two. Does anyone have a thank you letter template I can send to my Babnk, thanking them for my settlement? Also should I make refeance to my settled claim when I start my next letter ping pong with them? Thanks

I intend too.

Hi Michael The first thing I did after telling my partner and parents i'd won was make a donation to the site and i've just completed the survey. I couldn't have done it without everyone on this site. For the cost of 3 x first class stamps i've got all my money back. Just faxed my letter off to the court to advise of settlement. I'm still a little in dis-belief at the moment.

I was about to call the court to check on the progress of my claim as it had gone for judgement to the District Judge on Thursday, and thought i'd just check my ban k account before I made the call....AND ALL MY MONEY IS BACK IN MY ACCOUNT. I'VE WON, I'VE BEATEN THE BANK AND I'M £2553.77 BETTER OFF, THEY EVEN GAVE ME MORE INTEREST TO INCLUDE UPTO AND INCLUDING TODAY. I could not have done it without all the help and support I've recevied from this website and there is a donation on it's way. THANKS to everyine but especially Gary H.