welcome to the forum.
Please take time to read the faq's
Please find your banks forum and start a thread;
(your user name) V (banks name)
use the template letters in order Stick to the timetable in there.
For instant live help please go to the chat room
Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.
If you liked what I have written then please let me know by clicking on the scales!
FAQS
http://www.consumeractiongroup.c o.uk/forum/faq.php
Scotland Issues
http://www.consumeractiongroup.c o.uk/forum/scotland/
Step by step instructions

better safe than sorry!
http://www.consumeractiongroup.c o....tructions.html
Templates

If it aint broke dont fix it!
http://www.consumeractiongroup.c o....lates-library/
Online claim or direct at court?
Getting MCOL Right
Finally good Luck.
jamesrap.
If my advice helps please tip the scales, left.
<<<<<the middle thing.