Charlieboy Happy and mistie are quite right to advise you to reject this dishonest and inadequate offer. The OFT never said that the £12 level was fair. They merely set £12 as an absolute ceiling that they could charge, largely because the banks still refuse to admit how little it actually costs them for their 'charges'. They are only entitled to recover their costs, and £12 still has a large profit element included. They are using the OFT ruling as a justification for further unlawful charges, which are neither 'fair', nor 'correct and valid'. By doing this they are trying to legitimise the retention of much of your money that they have taken unlawfully, and you are owed this back with interest. Please can you confirm the contact address you use, because there's been some confusion in the threads about ownership of this shower. They are now part of Morgan Stanley, but one thread says to contact Lloyds about this. The only reason I haven't yet SARd these people is because of confusion over addresses and no coordination of the Goldfish claims. I hope these postings help you to recover what ir rightfully yours. Varangian Guard

Hi cutie You've tagged your message onto the end of someone else's thread on the Welcome Forum. Start your own 'new thread' now on the Yorks. Forum http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/ called something like lousecutiepie v Yorkshire Bank There your messages will be read by everyone chasing Yorks Bank and they can help you. You can also study there all the Yorks threads, both ongoing and completed, so you can see exactly what is happening with that bank. regards Varangian Guard

crunch At the NatWest forum there are stickies in a section above the recent postings, where your message is. One of them is disguised with the heading 'NatWest contact information' Varangian

Hello Dokie and welcome to CAG. You have certainly come to the right place, where you will get lots of help and support to recover what is rightfully yours. This is the Nationwide forum, where you will make immediate contact with all the others currently dealing with that bank. They are the best people to advise you directly. Please keep your thread updated and ask any questions. Also read the other threads for people dealing with Nationwide, who are ahead of you in the process. You will find other information from the forum homepage http://www.consumeractiongroup.c o.uk/forum where you will also see links to FAQs and many other sources of background info that you must study so that you get your claims right. This is a self-help forum, and while people will help you, it is your responsibility to do the background study and work. There is also a live chatroom for general queries, or just to meet people and discuss the issues. Welcome aboard and enjoy the ride Varangian Guard take no prisoners

all letters are in the template library http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ You can add the overdraft interest in the prelim and LBA letters if you want to, but some people don't bother because its a small amount. The big interest comes with the 8%, and you don't include this in the letters - only with filing at court. You talk about removing a default. Don't include this unless you have a default that was for less on the day of the default than the total unlawful charges added before that date. Varangian

Hello kez and welcome to CAG. You have certainly come to the right place, where you will get lots of help and support to recover what is rightfully yours. This is the Nationwide forum. I suggest you start another thread for your other claim on the Halifax forum, where you will make immediate contact with all the others currently dealing with that bank. They are the best people to advise you directly. You will find this from the forum homepage http://www.consumeractiongroup.c o.uk/forum where you will also see links to FAQs and many other sources of background info that you must study so that you get your claims right. This is a self-help forum, and while people will help you, it is your responsibility to do the background study and work. The Halifax forum itself will show you what's going on with the other claims, and the stories of those who have already won. Generally claims have only been done for the last 6 years. However, recent postings by Bank Fodder are suggesting that we should now be looking to claim back more than 6 years. Study the threads on each forum to see what others are doing, and ask any questions there. There is also a live chatroom for general queries, or just to meet people and discuss the issues. Welcome aboard and enjoy the ride Varangian Guard take no prisoners

asmudge You have posted this onto an information sticky where it won't be seen by many people. Start your own thread in the debt collctors forum for a response. Varangian

eprahb Please start a new thread for your own claim in the halifax forum, where it will be seen by all the others dealing with that bank

Anthony You must study the FAQs carefully as everything is explained there. This section deals specifically with interest http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=4 Basically, if you put all the details into the advanced spreadsheet then all the interest (overdarft and the 8%) is automatically calculated for you. With the letters you request the overdraft interest as well as the unlawful charges. The 8% interest doesn't get added on in the initial request letters as they may offer to settle before court stage. However, if you file at court then the court will allow you to add the 8%, calculated by the spreadsheet on a daily basis since they took each item of your money. Varangian Guard

way to go dd CONGRATULATIONS

Recorded delivery for EVERYTHING gros Keep the receipts. You can check the delivery date online too, so print this for your records. Varangian

kaka This is standard twaddle from all the banks. All designed to stop you reclaiming your money. Just carry on exactly as the CAG instructions tell you :grin:

Think yourself lucky The standard reply just says bog off. They don't owe you any money and if you can't abide by their open and transparent charges regime, then you'd be better off banking with someone else Just get the brochures out. Don't give them an inch of room, a day of extra time, or a penny of your money

correct I'm just ahead of you whiskas, so my thread will be one for you to follow.

yes whiskas - go for it :D Follow the guidance on the website and don't let them distract you. This is a standard tactic.

Hello huskey Nationwide were one of the worst for closing accounts until about a month ago. Previously it was automatic, but since then they just write a snotty letter saying they won't close the account as long as you are a good boy/girl and agree to abide by the trerms and conditions next time. The closing of accounts in these circumstances has lead to a flood of complaints to the Ombusman who has stated that this should not be done for 'punitive reasons' (ie out of spite). In the case of A&L, I believe that some complainers were awarded compensation of about 200 quid for this too The picture seems to be that they won't now risk closing just for this reason, but of course if you have other issues with them (like excessively over OD) then they could argue that the closure was not punitive. That said, you MUST have a parachute account just in case. From what I gather people are finding that basic accounts are easy to get, with proof of residence and a few recent statements. Accounts like NatWest STEP are basic - no cheque book and no OD, but at least you get a solo card and you can arrange debits etc. If you can't get another account for some legal reason about the bankruptcy then I suggest that you PM one of the Mods rather than make a general posting. Hope this helps. Varangian Guard

Jon I agree with trojan - just update this. from my reading of the threads, you can keep adding further charges up until you file with the court, which is the one that really matters Make sure that on the date of filing, you include EVERY PENNY that you can;) , but don't change it after that for the same claim. Check this to be sure before you file, but then you should always get the court claim checked by a Moderator anyway, to avoid mistakes. Good luck Varangian Guard take no prisoners

Hello Biker and welcome to CAG. You have certainly come to the right place, where you will get lots of help and support to recover what is rightfully yours. This is the welcome forum. I suggest you post your message again on the shAbbey forum, where you will make immediate contact with all the others currently dealing with that bank. They are the best people to advise you directly. You will find this from the forum homepage http://www.consumeractiongroup.c o.uk/forum where you will also see links to FAQs and many other sources of background info that you must study so that you get your claims right. This is a self-help forum, and while people will help you, it is your responsibility to do the background study and work. The shAbbey forum itself will show you what's going on with the other claims, and the stories of those who have already won. There is also a live chatroom for general queries, or just to meet people and discuss the issues. Welcome aboard and enjoy the ride Varangian Guard take no prisoners

Hello Jack To get any help you need to provide full details of what has been done so far. You also need to start a thread in the Yorkshire Bank forum, as this is the welcome one. There you will make contact with all the people also chasing YB and can read all about how the cases with them are going or have gone. It doesn't sound as if you are aware of the process to follow, so you do need to study carefully our details on the processes, as explained in the FAQs, accessible from the forum homepage. You should have waited to claim till you knew exactly what you were owed, or you will just loose money. How did you present the calculations? What letters have you sent and how did you present them? What timescale have you followed? What did your claim include and what did you base it on? Try presenting some of this info to the Yorkshire Bank forum and people can then see what your position is. Varangian Guard

duke I use the complex spreadsheet and its easy when you've put the details in. As well as the cumulative penalties, the middle worksheet (charges and interest) has another yellow column for Interest on Penalties. This only registers where the OD level is sufficient. Basically, you put that figure in as the Interest on Penalties (OD Interst). Its not a lot and some people don't think its worth bothering with - up to you. The main interest is the 8% that you don't mention till the court stage. That shows on the third worksheet called 8% interest. Varangian Guard

Mr E I SARd for current and business accounts.about 30 days ago. I received the current account statements in 3 envelopes at different times. They did make a complete set, with some bits duplicated. Still nothing for the other account, and no other enclosure. It all seems to be a bit of a dog's dinner but at least I have enough now to send a prelim letter for one account:) You didn't say when you sent the SAR, only that there were 10 days between arrivals. Give it the 40 days as stuff seems to keep dribbling in, then contact them if not. Varangian Guard

Hello white35 and welcome. You have certainly come to the right place to reclaim what is rightfully yours. Here you will find all the information and support that you need to get your money back. However, this is a self-help group and so you need to get to grips with the processes and details first. Before you do anything else, spend plenty of time reading the FAQs and other sections for new people, which can all be accessed from the Forum Homepage http://www.consumeractiongroup.co.uk/forum You have already posted to the Nationwide forum and this is where you will find the threads relating to that bank. These will tell you what has been happening with claims to Nationwide and you can get advice there from people dealing with the same bank. Please confirm if both accounts are with Nationwide, and what sort of accounts they are. This will help us to help you. There is also a chatroom where you can get live advice if you need it. Good luck with your claim, and do ask for help at any time. Welcome abouard and enjoy the ride Varangian Guard take no prisoners

Haas This is the welcome forum. You should be posting to your own thread at the Yorkshire forum, so that everyone else involved with that bank sees your postings and can help you. Also note the sticky just placed by Bank Fodder on the Yks Forum, saying that in view of the recent disclosures on Whistlblower, everyone claiming against Yks should go back beyond the 6 years. If you've already done this for only 6 years, you could go for the rest later of course. Good luck and keep us posted. Varangian Guard

Hello uberdave and welcome to CAG. You have certainly come to the right place, where you will get lots of help and support to recover what is rightfully yours. This is the welcome forum. I suggest you post your message again on the NatWest forum, where you will make immediate contact with all the others curently dealing with that bank. They are the best people to advise you directly. You will find this from the forum homepage http://www.consumeractiongroup.c o.uk/forum where you will also see links to FAQs and many other sources of background info that you must study. The NatWest forum itself will show you what's going on with the other claims, and the stories of those who have already won. There is also a live chatroom for general queries, or just to meet people and discuss the issues. Welcome aboard and enjoy the ride :grin: Varangian Guard take no prisoners

Hello yid and welcome to CAG. You have certainly come to the right place, where you will get lots of help and support to recover what is rightfully yours. This is the welcome forum. I suggest you post your message again on the Halifax forum, where you will make immediate contact with all the others curently dealing with that bank. They are the best people to advise you directly. You will find this from the forum homepage http://www.consumeractiongroup.c o.uk/forum where you will also see links to FAQs and many other sources of background info that you must study. The Halifax forum itself will show you what's going on with the other claims, and the stories of those who have already won. There is also a live chatroom for general queries, or just to meet people and discus the issues. Welcome aboard and enjoy the ride :grin: Varangian Guard take no prisoners