Hey, welcome to the group Make sure you have a look around the forum as most questions you've asked have been answered already, plus you can gain insightful knowlege about the murky wee world that is banking! 1) No, it doesn't affect your claim. I keep going over my OD limit BECAUSE of the charges! 2) You will probably only receive a pathetic offer as a 'gesture of goodwill' which will be around a fifth of what you have been ***** for. It's up to you if you accept the offer, but make sure you state that you will be claiming the whole amount and it's not in 'full & final settlement'. Most people in Scotland are having to go

If it were me, I would go straight to court.

Hi blackrain Have you had any acknowledgment of your DPA request, or spoken to them about it?

I all, hope this is in the right section. I am currently in an IVA and many of my loans were made up from excessive charges. Just wondering if the same procedure applies. Also are there different letters to be sent? So many questions, lol!

Best of luck to you. They were actually right in relation to the start matching receipt of £10 fee, but that doesn't seem to be a problem now!

A contact in the Data Protection Team at Moulton Park, Northampton is GARY PARKINS.