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Thanks for your help as well texel

thanks very much for this Pict, I will eagerly await their response. Regards Rossiboy

can anyone help?

All, I have a couple of questions for you. I have my return date on the 18th of April and my prelim date on 25th April. I have taken my case out in Scotland if this helps and I am wondering what happens under these scenarios - 1. I have raised a small claim for the money but my full amount is more than 5 times that. In your experience will the banks offer to pay back the full amount or just the £750? and 2. The charges and the interest I am reclaiming from the bank, can they only be 5 years from the date of the hearing or do I go with my original claim for the amount which I submitted back in October? Thanks for taking the time to read this

thanks for the advice people, I will use it and wait to see what happens.

Having received my statements through the post and duly calculated how much I was claiming back from the bank, I handed in my request letter yesterday only to realise that I have asked for 6 years worth of money as opposed to 5 years. Should I now ask them to cancel this letter and submit one for 5 years worth of charges or wait to hear back from them and see what they say? P.S I live in Scotland Suggestions welcomed.

thanks for this mate. Do you know though if they can put a black mark against my name for contesting with them?

If you take action against them to reclaim your money? I while being a student must have lost £40-£80 per month in fees and am considering claiming them back. The only thing is that I have a £1k overdraft which I am in no position to pay back - unless I get the money I am due from them. What's the odds on them countering my claim by closing the account and asking me to repay my o/d within a certain period of time? In addition to this question, does taking action against them give me any kind of black mark against my name?