Thanks Sir

Hi all Egg charged me £340 (17x£20). I wrote to them asking to pay me it back within 14 days. They wrote back saying they would pay me £68. The £68 is 17x£4 - they decided on £4 because this is how much they reduced their charges by recently. Do I have to accept this?

Hey Bramble I got some good news from my bank's solicitors today - and you will too at some point, probably before that stage There seems alot to read, but you've been reading already and it will sink in sooner than you think!

The next day Without time to reply to the copy of the AQ and draft order I sent them, and just 1 day after they sent me the above letter, the solicitors sent me another letter to tell me they would pay the full sum, plus MCOL costs. There are a few conditions but they all relate to the future safe running of my account etc. etc., nothing really restrictive. So this thread needs to be moved to the successes thread! I will PM a moderator... :D:D:D

Wow that was quick. Thanks jonni

Hello all Firstly thanks for all the useful information from the site's creators and contributors. I will cartainly be donating if i win my 1300 pounds back. Second, if this belongs in the Lloyds section then please can a moderator move it. Thanks. Ok, here it is. Only today I sent a copy of my AQ questionaire, with a sheet explaing why I had attached a draft order, to both the court and defendant's solicitors. By coincidence, when I got home I had received a letter from Lloyds' solicitors. I hope you won't mind me typing it here as I'm not sure what to do about it: We act for Lloyds TSB We have been passed a copy of the proceedings that you have issued against our client in Northampton CC.The bank will be defending these proceedings on the following grounds: 1. The fees that you seek are properly incorporated into your contract with your bank; and 2. By making payments (whether by cheque, debit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the bank may meet or decline. If it meets your request, you must pay the neccessary charges. The issue of penalties only arise as a matter of law, where there has been a breach of contract, and there is no breach of contract here. Looking ahead, a situation which gives rise to a dispute is not one the bank wishes to continue. In view of this you are requested, please, to make contact within the next 14 days with your local bank manger on 0845 3 000 000, to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs. We await confirmation from the bank that action has been taken. Yours faithfully So, is this going to be call that shuts my account? An 0845 number doesn't seem to be the best way to get through to my 'local' branch manager? Any advice will be gratefully received