Hi Sophie, thanks for your reply. I'm sorry I've not been online I have had a berievement and my heads not been with it. Iv copied the letter but how do I set out the list of charges? cos I have to list every charge and type dont i? ie: Date of charge - - - Amount Charge - - - - - Type - - 11/03/04 - - - - - - - £28 - - - - - - - Unpaid Item - - 22/04/04 - - - - - - - £30 - - - - - - - - Referral Iv seen the excel spreadsheets in the templates library, but there only for people who want to claim interest arnt they? I dont want to claim interest, i just want my charges back. I would appreciate any help on this so that I can continue with my claim. Iv prepared the letter, i just need to know how to layout the charges. Cheers, fi x x

Yeah, I've been following this thread too. Like a real life drama! Keep us posted! ps. Hope all is going to plan fi x x

Iv been reading the forums for a few weeks now and have been fine so far. I sent my 'List of Charges' request to RBS on 11th July and I received all my bank statements in full early last week. I now need to send the 'Preliminary approach for repayment' letter with a list of charges. I apologise if the information i require can be found in the forums or FAQ's but I just cant find it. I've even tried using the search facility. I'd be grateful if somone could inform me of how to set out the charges on paper, do i list the charges in columns i.e TYPE OF CHARGE / AMOUNT / DATE ? If not, please correct me on this. Also, my bank (RBS) have refunded some of the charges. Over the past 6 years I calculated that I have been charged a total of £1745 in unpaid d/d charges and referral charges, and the other half of the charges dont even state what they are for. Out of this £1745, the bank have refunded a total of £381. I dont know exactly which specific charges have been refunded so how do I go about this? Do I list a breakdown of all the charges and show the refunded charges, subtracting them and leaving the total amount of charges that have not been refunded? And how do I lay this out on paper? Any help on this subject or any tips on the process would be much appreciated. Cheers, fi x x

I'm with RBS and a newbie here, I'm following your thread in anticipaiton!!! Just about to send my DPA off in the morning. I've had £624 of charges since Jan 04 so cant wait to get the rest of my statements back as you can at least double or treble that figure!! The most annoying thing with RBS is you can go overdrawn by just a few pence and then get charged twice! A £28 maintenance charge AND a £30 referral charge!!! Then to top it all off, you then get charged because their charges take you overdraw??! Ridiculous! I really really HATE RBS with a passion and its time to get them back Sorry, just had to get that out my system! Anyway, I wish you the best of luck!! x x