A few things that i wanted to know what to do, the N1 form looks confusing, in my charges spreadsheet i have worked out the total charges and also the charge interest, but there is another interest part on the N1 form, how do i fill this in? Also i am claiming around 1700 in charges, how much do i pay for court costs, and how long can i be expected to wait before my case gets to court, as curtrently paying money to a court is going to hurt my pocket. Thanks.

Hi again, Second letter was sent last monday, but major flooding in this area could have affected stuff not sure yet. No reply fromm the bank as of yet. I heard something on the radio that 7 banks have been taken to court and no refunds will be done until the hearing is over. Did i dream this or can anyone verify this for me please. Also can someone point me in the direction of the court paperwork so that i can fill this in and post it on monday.

Hi, Sorry about be lax over the last few months and not getting my first letter sent to the Halifax (owned by the royal bank of robbers). I send my first letter asking for 1700.64 in charges back, on the 9th of july. Today i recieved a letter saying that thanks for your complaint, but our charges are valid and the totals cannot be told to me as they are commercially sensitive . Is this normal? and can i still send my second letter on the 23rd to get my money back? Im very confused now? Any help is much appreciated.

First letter has been sent asking for my statements (my S.A.R), cheque sent all by recorded delivery, they should get it by wednesday morning at the latest. Another letter asking for charges back! Checked throguh my statements last night, i have around 3 years of statements and have been charged around the £1200 mark, i know it was more before those three years, so im looking at taking the Halifax for about £2500.

Thanks Atmos, it looks to cover everyhting i need. I think that i will try the phone call route first and then the SAR if they begin to mess me around, i roughly know how much i have been charged and im not going to take anything less than full payment from them. If they can make £5Billion(?) in profit, then a vast majority of that is from our own money. Doesn't seem fair to be honest. Im just shocked that its taken me this long to find this website and start the ball rolling. The money would come in really handy right about now.

Is there any way i can miss out the 40 day wait....im stupidly impatient. I had a thought of going into to my local branch and asking for my last 6 years of statements or is it best just to follow the templates to the letter to aviod any chance of cocking it up? I don't have online banking as the internet isn't exactly safe in my opinion so the only way i can see stuff is on good old dead tree.

Forgot to ask, Who do i send my letters to? Local branch or Head office? Also who do i address them to?

Good afternoon everyone, I have been reading the forums for a while now and i've now decided to get my bank charges back, starting today i have sent my first letter asking for my summary of my chages from the last 7 years. I happen only to be 23, i also work as an apprentice engineer, these charges themselves have casued me much grief and casue me to go overdrawn even more each time. So far, the worst to date was being charged £58 for going overdrawn by £0.79. I have downloaded the first three letters and changed all the relevant fields to coincide with my needs. I do have some questions tho. Will i have to go to court, or will this be settled without needing to go? How long does it normally take to get my documents about my charges. you have given them 40 days in the letter, but will i be waiting that long? I will continue to update this page thread with my claim, i am also staring the claim for my girlfriend (between us we have paid around £4000 in charges over 6 years).