Thanks Sally. I made a donation and will fill in the survey later

Sorry I've been away for so long. Received my list of charges back after three weeks - £2,335 - and then sent my preliminary letter on May 24. Co-op responded saying it would take four weeks to review my case and then told me it would need another four weeks. I was very busy at the time and didn't get around to sending out the LBA. Then, on July 15, the Co-op paid up - £40 more than I had suggested - and whacked the 8 per cent interest on top without prompting. This is an extract from their July 13 letter: "I can appreciate that you are unhappy with the charges applied to your account. As you are aware, the charges are valid and in line with the terms and conditions of your account. It is the responsibility of the customer to monitor the account and ensure that it is kept within the agreed limits at all times. "After review, I have credited you account with £2,375 and £190.00, which is the 8% interest as agreed by the Financial Ombudsman, as a gesture of goodwill on this occasion only." Thank you so much to this forum and this site for making this possible. I hope that this pain-free result is an inspiration to others.

S.A.R - (Subject Access Request) sent on March 13. Co-Op finally complied last week and sent list of charges applied to the account and notes in the last six years on Friday (May 11). They also cashed my £10 cheque which doesn't seem to have happened to anyone else. The charges and interest on the account appear to be about £3,100. Will be sending preliminary letter tomorrow. Will keep you posted

Sent my SAR on March 14 with cheque for £10. Coop cashed the cheque and responded with letter after two weeks saying that it would comply within the 40 days. I'm surprised that the bank cashed the cheque having read so much on this forum. Will keep you all posted.