Thanks MB for the response! Now where the heck am I gonna get that extra money!! G.

Hi, I am putting my claim into County Court - my charges ex statutory interest are under £5000, but my interest takes me over £5000, should I be paying £120 in court fees or £250. I am sure I read here some time ago that the fee should be based on the claim ex interest. Can anyone confirm please? If so can you direct me to where this is stated legally? Thanks in advance, G.

Hi all! Well... Quick update. I sent my LBA on 28th June and somewhat worryingly I have not received a response. I called Customer Servies and was told that they had received the letter and would be dealing with it... Hmmm... Times up as far as I am concerned on Friday 13th (uh oh!) so it looks like I am going to have to take 'em to court... Time to start swotting up! G. btw I have been charged another £200 this month... What can you do?

Hi, Sent my Preliminary Letter on 11th June and received standard letter in response on 18th saying they need 4 weeks. I will be sticking to my timetable! G.

Time for an update. If anyone is interested? I received a letter today (dated 7/6/07) that is very polite, with attached breakdown of charges for the last 6 years... I have just spent a very pleasant couple of hours inputting each of the charges to the spreadsheet.. A strangely nostalgic experience! I remember getting hit for each of those charges and being thoroughly disgusted. I have to say that I thought they had refunded more - I thought I was a better negotiator - but no... I have two accounts with Unco-op and have had around £4,500.00 in charges over the last 6 years if I add them together! I intend to get what they have unlawfully taken from me with compound interest at their unauthorised overdraught rate of 29.9% under the principle of mutuality & reciprocity. When I think of the misery and difficulty their charges have brought me I really feel that this is right. I will update soon... Would be interested to hear from anyone that has been through the process... Grem. xx

Hi, Well... I got £ 350.00 in charges earlier this month and have thus had enough... I have printed my Data Protection Act Letter and it will go recorded 1st thing in the morning... I will keep you updated as to what occurs. Please give me some support! G.

Hi, Have oft read threads at this site and finally decided to go for it.. I received £350.00 of bank charges earlier this month - at a time when I am short of work and short of money and the Co-op would not listen... SO I shall make them return that and every other charge they have taken off me in the past 6 years!! Hopefully receive some support - will open a new thread in coop section... fingers crossed G P.S. Fantastic site btw - I am in awe...