You will get all the help you need on here Glynn... i would advise changing your username if its your real name. Contact a mod and they will help you with it. Good luck Jos

Thanks Michael... without your help i would have given up a long time ago... Top man.. Jos

So have they actually sent you a list of all of your charges? If they haven't i would pursue it... I would bet my grannie on the £239 being a lot less than you are actually owed...

Thanks Steven... i feel i have got a result i would have been happy with when i started.. I made sure i never took my eye off the ball and let pound signs blur my vision which is very difficult at times!! I was pushing my luck to see how far it would go, but these guys representing the banks know that very few have the knowledge and linguistic skills to be able to stand up and win in court.. me included. So i live to fight another day, have cleared 2 substantial OD's and still have my health and happiness intact...

Ok haven't been about for a while.... personal matters with my fathers health to deal with which seemed to put everything into perspective.... Basically, i didn't go to court with just the CI element left to fight for.. so i finally settled for.... Charges ( claimed for 2800 originally but then realised 500 wasn't actually charges so amended to 2300) 8% Interest Costs of 350.... But they sent me 2 costs cheques which i accepted and banked.... and they paid me the 500 i shouldn't have claimed and about 250 of account interest as well... So, with everything else going on around me at the moment, they caught me at a low ebb and i discontinued the claim.. But as i always said i would never go into court with just the CI... bit of a drab ending really isn't it but hey there are far more important things in life...

yes of course you can. Just follow the process and the judge will deciode what track it will go down. Jos

The FO has had a lot of successes, whether it is quicker or not is debatable.. Some have had their charges back by just sending the first letter, some have gone all the way to court. It really is your choice. Jos

yes of course they have. Regardless of who 'owns' the account, a penalty charge is a penalty charge. Jos

The debt collection people can't do anything as this account is in dispute. And you need to send them a letter explaining this. Start your court proceeding now, you have given them plenty of notice.

yes you can and its the same process... Jos

bump

excellent.. well worth a phone call

yes i would. Use the calculator in the bank template forum. It will work it all out for you. Jos

Hi Subtle The spreadsheet in the bank Template forum will work out the 8% interest for you from the date of when the charge was applied to you account...If you have statements going backfurther than 6 years i would suggest you claim the lot... Jos

The confidentiality clause basically tell me to keep the whole thing quiet.. bit late now tho don't you think!!!! To me, they are asking for something that is totally unacceptable.. Who the hell do they think they are!!!! Me keeping quiet about THEM paying me MY money back... So as far as i am concerned i think that a judge will also find this unacceptable and therefore i have something other than CI to go to court on.

Hope Same situ as me to a t.... My position is this.. They still owe me the costs cheque. And they still haven't resinded the confidentiality clause. Both of these i believe are strong enough to go into court on... However, if both of these are settled then i will not proceed any further...

Still waiting for a court date.. and the costs cheque... and i still have the confidentiality clause attached so am quite happy to go to court... Jos

Hi Subtle... Its the N1 form that you need.. the link is above on my previous post..... Any probs, let me know.. Good luck

Update on this... having paid £400 off, i still have a £467 bill... they have taken readings from me over the past few weeks and still insist it is correct.... Where do i go now.... ggrrrr

definitely send the next letter!!! did you have the last 6 years of statements?? doesn't matter how much it is, its yours!!! Jos

don't take it!!!!!! if someone took £100 off you in the street, and offered £50 back, what would you do??? well then... take them for every penny.. you will get it back and have the biggest smile ever.. I had my 2.3k back... Jos

I had an £1800 OD and got back 4k.. they didn't ask for mine back and now i have no OD....

did you send the letters recorded? Its not unheard of but is unusual...

LOL.. standard stuff and a complete load of bull.. they want to knock your confidence but don't let them...the 'service' line is quite new but an attempt to put you off.. Start a thread in the Lloyds forum and claim all your charges plus "request to go over my agreed overdraft limit" charges as well... http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ Good luck Jos

Firstly, start your thread in the lloyds forum...People will then help you along the way.. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ Have a good read around Lloyds successes, you willfind all the information that you need, and what is likely to happen.. The court procedure is reklatively easy, so don't be scared of it ok.. you can do it online here... Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp ..Or manually here.. Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Personally i got a lot of satisfaction handing in a manual copy of the N1 form.. This link may also help.. Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Good luck Jos