Great - this should be fun then. Thanks for your help.

Aye yes sorry.

Im approaching stage 2 of getting my charges back. I have calculated that Barclays owe me just over £500. My question is what is meant by the payment schedule ? I have looked everywhere and cant find an explanation.

Yikes - letter sent registered. Its begun !!! No turning back, Im going to do this and Im scared he he he.

Wow right I have written my letter and going to send it tomorrow. Will include my loan account number too as they have charged me for changing dates when they should never have even authorised the date changes. Also am paying for a graduate account at the moment £5 per month to stop interest on my overdraft so should be nice and interesting. Does anyone else hold a graduate additions account they are paying for ??

I took out a graduate loan with Barclays too Im guessing I cant ask for money back on that when I was aware of the interest etc on it ? Just wondered as I was paying installments whilst I did my PGCE.

Tip top thanks for your help am going to post letter tomorrow and get the scarey ball rolling. Am going to keep a diary of when I have done things and who I have dealt with.

Hi there, thanks for the help - jsut found the step-by-step thingie and got my letter all sorted out. I have just asked them to take the £10 directly from my account, should be sufficient enought ? Next thing to ask - Do I mark it FAO Anita Hicks or is there someone else ?

Hello. I have been banking with barclays for over 10 years now and have been an 'on/off' student for 6 years. I dont really know where to begin and feel a little overwhelmed by the whole thing. What should I do to get tha ball rolling ? I dont fancy hunting through 10 years of bank statements and trying to estimate how much I have paid in charges and when I was and wasn't a student. How does this data protection thing work? How do I find out which department my bank deals with and how do I pay the £10? Im also seriously still overdrawn will they still refund me? Im super scared at the prospect of having to go through court or gear up to having to go.

Hello. I have been banking with barclays for over 10 years now and have been an 'on/off' student for 6 years. I dont really know where to begin and feel a little overwhelmed by the whole thing. What should I do to get tha ball rolling ? I dont fancy hunting through 10 years of bank statements and trying to estimate how much I have paid in charges and when I was and wasn't a student. How does this data protection thing work? How do I find out which department my bank deals with and how do I pay the £10? Im also seriously still overdrawn will they still refund me?