New kid on the block looking to start first of many hopefully successful claims for my money back. i have 2 account both current with my local Bank of Scotland branch. have asked for and recieved statements from when account were opened, for which i was not charged and very suprised whe recieved a phone call from the manger informing me that he had requested the statements and to contact him if there was anything he could do for me.I informed him i would write to him once i had reviewed the statements and left it at that as i did not know the true extent of the charges at that time in case he was for making a deal.

Amounts i am looking to reclaim are

Account 1 £2450 in charges and £31.31 in overdraft interest

Account2 £788 in charges and £4.26 in overdraft interest

Just looking now for the next step, i live in Scotland and have read about the £750 limit per claim, just needing a bit more guidance from the more experienced before i persue it any further.

So you want to reclaim your bank charges. Good.

The first thing to do is to read the FAQs. It contains the answers to most of the questions that get asked on this forum.

Then you need to read the forum material, especially the ones relating to your future claim.

You need to understand what you're doing, at least a little bit.

Once you have your head around all this, and if you have questions that have not been answered, post your questions here on your thread, or your updates as your claim progresses.

You've taken the first step.

Thanks for that, have been reading as much as i can see on the site over the last week ish and think i have the basics . have calculated the amounts as shown and have just issed my request for repayment for the sum of £544.36 from the smallest of the 2 accounts. Will be watching for any traps in the wording of any letters recieved from the bank in future now i have taken the first step. Will keep you up to speed with it as it progresses.

P.S.I will gladdly give 5% of what ever i get back to keep this site going.