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Hi Paul Thanks for your reply I shall look over the Govan website, and let you know how I get on

Hi After writing to Abbey complaints department and only just getting a reply today (8 weeks after I sent the orginal complaint), they are refusing to reimburse £80 charges for a £2.88 excess on my account. My next step is the Finacial Ombudsman, but came across this site, and had a look through. I live in Scotland, therefore would you advice going to FO first, or attempting to take action myself for all the charges (This £80 is not the first time) I noticed in FAQ that Scottish info is not yet available. Is this process not applicable here?