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soory if i am hijacking someones thread, but yesterday i found a list of template letters that where listed alphabetically and which dealt with issues outside of claiming charges bank.
the letter i am looking for is the one where you apply for the original signed agreement for your loan or credit card along with the fee of 1 pound, it was letter N in the list, but for the life of me i can find it.
as usual any help much appreiciated.
letter template
bank have charged me loads.
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Re: letter template
don't be like the banks - give a little back 
There was a time before CAG but now CAG is here we are the empowered! 
LF53