I am now in the process of preparing a LBA taken from the templates library to follow up my previously failed attempts to get OUR money back. Does this read okay as i've edited it slightly to suit our cause, or is there any alterations need making to it?? Thanks for any tips. Dear Sir/Madam, ACCOUNT NUMBER: ******** We are very disappointed that you have failed to appropriately respond to our letter dated the **/**/06. We 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. We would draw your attention to the terms of the contract which you agreed to at the time that we opened our account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. We are frankly shocked that you have operated our account in this way as we had always reposed confidence in your integrity and expertise as my fiduciary. We calculate that you have taken £*** plus £*** which you have charged our account in overdraft interest for the sum which you have taken. Total £***. We are enclosing a copy of the schedule of the charges which we are claiming. We have already sent you a copy of these figures in a previous letter dated the **/**/06. We require repayment in full of this money. If you do not comply fully within 14 days from the date of this letter, then we shall begin a claim against you for the full amount plus interest and any costs and without further notice. Yours faithfully, *******

Thanks again for the advice. I have added the interest on the charges Various Charge Types: Nearly £900 A/C******** Interest Charges: Nearly £140 (INTEREST ON CHARGES) Refunded Charges in previous years: Nearly £140 Overdraft Interest (which I am not asking for as we knew about this): Nearly £200 Court Figures: I gather the Court Fee + 8% + Interest should read for example: £80 + 8% of £900 + 29.2% -------------------------------------------------------- Looks like it is time to sort out a new account with another bank over the weekend for our Direct Debits etc to go out of.

Thanks for the reply VeryT. I have gone through many of the threads on this forum looking for tips on steps in how to claim. Is it definatley time for the MCOL service now then. Or is it worth one last try at sending out another more strongly worded letter to the address Mr Stuart Higley states, or will that be a waste of time? Any more advice welcome

Situation since Jan 2002. Not giving exact figures here in certain cases Our Agreed Overdraft: £450 Various Charge Types: Nearly £900 A/C******** Interest Charges: Nearly £140 Refunded Charges in previous years: Nearly £140 Overdraft Interest (which I am not asking for as we knew about this): Nearly £200. So 1 + 2 - 3 = Claiming nearly £900 --------------------------------------------- After sending out my first letter in claiming back nearly £900 in bank charges on 3rd July. We recieved a letter back from out local branch dayed the 18th with a such reply as, "We believe our charges are fair, reasonable and transparent blah blah..... However we have taken the opportunity to review the charges applied to your account and as an exceptional matter we are prepared to refund £2** as a gesture of goodwill. Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to your account" Of course we rejected this amount and sent a further letter on the 21st July requesting the full amount. We recieved a reply from Mr Stuart Higley dated 4th August 2006 which is probably the same letter as many on these boards will have recieved. The letter started of with apologies etc. Then other snippits from the letter - " Much of the media coverage on bank charges has been fuelled by the OFT investigation this year, but was limited to administration charges on credit card accounts and did not extend to include bank charges" - "Accordingly, the charges that have been applied to your account should stand." - "It is dissapointing to note that you are considering legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that anyproceedings are served on our Registered Office address at 135 Bishopsgate, London EC2M 3UR" Now I recieved this second letter, has anyone have any tips on what my next move should be??

When I first started with my claim last month to get my £862 back since Jan 2002, I didn't know that you had to send £10 for backdated copies of bank statements. The statements just came through the post anyway shortly after I sent my first claim letter without even asking for them (they only sent me ones dated back to Oct 2002 though:confused: ). Strange, seeing as I already have all statements going back to 1994:wink: Oh well