Have being using all the letter templates from MoneySavingExpert as didn't know this site existed until much later on in the process. Didn't want to switch over half way so will carry on with those templates - but still don't know what to put in that space. Has anyone else seen/used them?!

The letter template on the Money Saving Expert site has a paragraph that reads: 'This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour. ' I don't know what to put in there either? Is it just your local court? Thanks for any help.

Thanks for your help - I shall continue as planned!

I've had a letter from LloydsTSB (having written to reclaim £1090 of charges), sorry that this is a bit long but I want to make sure I should carry on with this claim or if this really is a no from the bank: 'Thanks for getting in touch with us. I am sorry you are unhappy about your account charges. Like any business we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to hapen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel its fair to charge for this service. Of course its only fair too that we're completely open about any charged for services before you take them up. THats why we take care to give every new customer the latest guide to our charges. You can also get up to date details about fees and borrowing rates at all our branches, through our helpline and on our website. Just as importantly we do everything we can to help our customers avoid these charges altogether. I'm sure you'll know how easy it is to kee a running check on how much is in your accout. You're free to get an uptodate balance at any of our cash machines, over the phone, online and by weekly text. If you know a payment is going to take you over the limit we agreed youre welcome to ese if we can raise it and we can usually give you an answer straight away. Again, we can do that for you by phone, on line or at any of our branches. I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges. Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your comlaint to the Financial Ombudsman Service for independant advice. If you are happy with the way I have dealt with your complaint there is no need to reply to my letter. If I have not heard you by the 20/04.07 I will close my file though I will be happy to reopen it should you come back at any point afterwards. ' Once again, apologies for that this is such a long post but I want to be sure I'm not pursuing something that I shouldnt. I'd be really grateful if someone can just tell me to get on with it to give me the confidence! Thanks very much

Thank you very for you help - I'll take a look with the spreadsheet.

Hi - great site and felt compelled to join having decided to get my partner's charges back which amount to an astonishing £6265.03 from Lloyds TSB. I've had the statements sent to me and as well as the account charges have included Overdraft Interest charges - have I done the right thing? I can't seem to find anywhere that tells me if I can include those Overdraft Interest Charges or not. Before I send the amount back (using the letter template) should I take them off? Any advise would be very much appreciated - if this comes off I'm in line for a big present!!!