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Thanks alanfromderby should keep me busy enough is enough

Thanks for reply halfmanhalfbiscuit. If i understand the system correctly the spreadsheet you refer to enables you to calculate interest at 8% APR and is used when you are actually filing a claim against the bank. i'm only sending a preliminary letter at this stage so still confused !! (can you help any more?) enough is enough

hi Am a bit confused with the first step. I know Abbey have charged me in the region of £550 over the past six years. In the pre-lim letter ,WHAT I REQUIRE SECTION it says 'i calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest...' How do you work out the £XXX which i have been charged in overdraft interest ?? Thanks enough is enough