I requested mine mid-March, got an acknowledgement letter and they cashed the £10 cheque, but despite my making many calls to the Data Protection people I never got them. At the end of June I then requested them again over the phone to the main Barclays number, they charged me £5 and finally I got them about three weeks later. I went in to my branch and they refunded the tenner. So my impression is they are just snowed under, and you have to keep on at them.

Complain to the FSO or take them to the small claims court. Read the how-tos on this site, or on Which? and the BBC.

Earlier this week I sent a letter to my bank requesting repayment of all charges, with photocopies of statements with the charges highlighted, and a table summarising it all. I just saw they have charged me again. So I have posted them another letter - similar to the first, which is taken from the Which? template - requesting permission of this charge as well, includinng an updated table and a print-out of my online statement. I make clear this is in addition to the earlier letter, and tell them what the new total I'm claiming is. Did I do the wrong thing in writing straight away to ask for this new charge to be included too, or did I do the right thing?

I haven't had a Mint card for long, but enough to get £90 in charges. I got the details of charges from them and requested all £90 back. They offered me just £25 and said it was their final offer. This was a month or two back; I haven't replied to their letter. The thing is, they know I'm not likely to take them to court over such a small amount. So what should my next step be - writing to them saying I don't accept and want the full amount? Or taking it to the FOS? Or do nothing, wait till a court precedent has been set in the hope they'll have to pay me it all? Or just take the £25? (Seems a bit pointless when they cashed my £10 check as well!)

The Which? sample letter to request charges from your bank says you will take them to the Financial Ombudsman Service if they don't reply within two months: http://www.which.co.uk/files/application/msword/0704bankcharges_lett2-445-76940.doc I'm confused by this. I thought the point was if they don't refund our charges, it's the Small Claims Court we can take them to, and we say they have 14 days to reply. So why does the Which? letter mention the FOS instead, and give them much more time? I understand their approach is to threaten to take the bank to the FOS first, and then the small claims court if that fails. But are you better off cutting to the chase and threatening small claims court in the first letter you send requesting your charges? Basically, I sent the Which? letter to my bank and now I'm worried I've made a mistake and should have used another one!

18x£10 = , sadly, £180. So when the 18 months are up (which they soon will be) I'll still owe over £3100 and they'll hit me with interest. I was very irresponsible in getting in to so much debt, but they were irresponsible in several times increasing my credit limit when all I used the card for was for gambling, and (unbenownst to them) I was out of work! Sounds like it would be a good idea for me to at least find out how much the charges are - they can't penalise me for that. Can I claim back more than six years, and how do I calculate interest? (Sorry if these questions are answered elsewhere but I'm not so good at navigating...)

My Barclaycard has been inactive since late 2005 when with the CAB's help - having got in trouble with online gambling - I reached an agreement whereby I would pay just £10 a month and no interest, for a period of eighteen months, on a balance of £3300. I have not yet claimed for charges because, although the sum may well be considerable - I'm not sure, maybe £500 or more in total over the six year period - it is less than I've saved by not having to pay interest this last year, and I don't want to upset the apple cart. Do you think I should still at least do the first step of finding out what my charges were? Or should I leave it be and accept I deserve the blame?

It must be a grey area, I'm thinking, because banks - in my case Barclays - are still imposing them....

Ah, oops, found it! Thanks http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

Sorry but I'm finding it difficult finding the FAQs. I click on the FAQ button - yes, I am looking in the right place - and I get a page with tutorials on it. I can't find a list of frequently answered questions and answers.... help!

Have had £60 in fines in the last few days. Over the last 6 years it will have been thousands. Just phoned up trying to get them to refund the £60, stating it was contrary to the Unfair Terms in Consumer Contracts Regulations 1999 and the OFT ruling, and that I would be putting a request under the DPA in writing for a full list of charges they'd made to my account which I would be seeking to have refunded through the Small Claims Court. The woman had obviously been briefed, and replied that Barclays had consistently maintained that the charges are lawful and we signed up to them under their terms and conditions. She wouldn't budge, so I said I'd put it in writing and see them in court. Is this typical? Do Barclays not refund money? What if they can show that you have abused your account, consistently exceeding your overdraft limit, writing cheques without funds in the account (though always backed up with a guarantee card for the amount in question), and so on? Also, on the BBC standard letter what does this wording mean? "Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you." And are you better off writing your own letter since it's easier for them to disregard a template? My account has at various times been dealt with by their debt management people, and I've had payment plans set up to repay unauthorised overdrafts in the past; the CAB has also been involved. Does this make my claim less likely to succeed? Thanks in advance for your help!