Alright guys iv just recieved my statements after requesting them all from the bank and having gone through them all it looks as though iv had £3034.81 taken from my due to over draft charges and unpaid DD's.

Iv read through most of the forum and still unsure about a few things.Do i now just send the bank my prelim letter with the excel sheet of each charge and what they are for and then just wait for the banks next reply?

Sorry if this has been asked before but i cant seem to find any answers.

Cheers for any advice.

Hi Bluetonic

Welcome to our world!!

Click on this link to show you how the process works.

Lush http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

You may want to read through the FAQ section and the bank templates library they are great guides, but there's also lots of people on this site with lots and lots of knowledge, I'm more or less a newbie too, so orrabest and keep us posted!!!

Lush

Hi Bluetonic

 

Welcome to our world!!

 

Click on this link to show you how the process works.

 

Lush http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

Nice one Lush,iv had a good read through quite a few posts and from what i can gather i think iam on the right track.Iv worked out all my charges and about to post my Prelim letter asking for the 3k refund:)

I just wanted to make sure iam doing everything right cause iam intending to see this right through to the bitter end if i have to.

I need a new bass amp and the cash will come in handy:D

Oh there was one charge i really wasnt sure if i could claim,every few months there seems to be a charge wich states "Referral Charge for (whatever month)"

Can these be claimed cause i have included them on the spread sheet with all the other charges.

Cheers

Is it with the Royal bank of Scotland you are reclaiming against? Also are you North or South of the border? This could perhaps make a slight difference when it comes to claiming....

Lush

Is it with the Royal bank of Scotland you are reclaiming against? Also are you North or South of the border? This could perhaps make a slight difference when it comes to claiming....

 

Lush

Yeah Lush iam with Royal Bank,they love hitting me with charges so thought better try do something about it.

Iam up in Scotland so bit worried how the court side of things will work.

Presumably also it is a personal bank account and not business?

Lush

Yeah the small claims totals are apparently between £750 but I've been told for anything over the £1500 mark then it's better to go the FOS route, have a look at my thread for more info on this.....as I said, I'm also new to this and if you want more guidance on it do have a look at the FAQ's etc at the top of the Royal Bank of Scotland pages, they are really really helpful.

It sounds like your ready to send off your prelim letter and spreadsheet of charges though from what you've said. Remember to stick to your timetable though and be very vigilant about it!!!

Good luck and hope I've been able to help! But if in doubt contact a site helper or moderator.

Lush

Yeah I also claimed for referral charges on my personal account and am waiting to hear back. The referral charges (well my understanding of them) are that this is the charge they charge onto your account if you have had a standing order or direct debit knocked back due to whatever circumstances, lack of funds, overdrawn etc.

Hope it helps.

Lush