Yeah Lush iam with Royal Bank,they love hitting me with charges so thought better try do something about it. Iam up in Scotland so bit worried how the court side of things will work.

Oh there was one charge i really wasnt sure if i could claim,every few months there seems to be a charge wich states "Referral Charge for (whatever month)" Can these be claimed cause i have included them on the spread sheet with all the other charges. Cheers

Nice one Lush,iv had a good read through quite a few posts and from what i can gather i think iam on the right track.Iv worked out all my charges and about to post my Prelim letter asking for the 3k refund:) I just wanted to make sure iam doing everything right cause iam intending to see this right through to the bitter end if i have to. I need a new bass amp and the cash will come in handy:D

Alright guys iv just recieved my statements after requesting them all from the bank and having gone through them all it looks as though iv had £3034.81 taken from my due to over draft charges and unpaid DD's. Iv read through most of the forum and still unsure about a few things.Do i now just send the bank my prelim letter with the excel sheet of each charge and what they are for and then just wait for the banks next reply? Sorry if this has been asked before but i cant seem to find any answers. Cheers for any advice.