Claimed back £950 in charges and then they closed account which was fine as we had another account up and running BUT we had a £1600 overdraft.......didn't have enought money to settle this before hand. Wanted us to pay back £100 per month which we don't have so said they will take us to court. They were not taking in to consideration our circumstances. Sent us a default letter saying we had to pay back within 2weeks or they will take us to court. So paid up with the charges money and the rest on the credit card and then they turned around and said do you want to keep your account open?????? They had told us in writing that this account had been closed and thats why it needed paying back. So they bullied us and took away our overdraft and went back on what they said and kept the account open. Well we told them to stick their account!!! To me this doesn't seam right does it?? So we won but didn't!!!!

closed our account and then demanded the overdraft back and was going to take us to court. Then when we paid the overdraft back they said do you want to keep your account open. When they had told us that they were closing it!! Just wanted money back that they gave us.

Well i emailed him and he still has not replied and a letter of account closure turned up today saying they will close the account in 30 days. I am MAD!!!! I thought they would do this BUT i have not finished with them!!!!!!! They are closing 3 of are accounts. they still owe me court fees and £500ish I have not signed anything to say I am happy nor have I settled it with the court. I have done this letter that I got from here. Dear Mr Sinclair, ACCOUNT NUMBER: xxxxx Further to your letter dated 8th August 2006. I am willing to conduct my account according to your Flex Account terms and conditions; however I am unwilling to incur unlawful fees should I happen to breach those terms and conditions. If you say that your fees are lawful, then will you please demonstrate this by letting me have a full breakdown of the costs in order to reassure me that your penalties really do reflect your true costs? Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. In view of the above, should you wish to continue with your action to close my account on 6th September 2006, I would seriously consider applying to the courts for an injunction preventing you from taking such action until the case has been heard. Yours sincerly.......... Do I put in that I am not happy with the amount they have refuned in this letter or enclose another letter. We also have a overdraft which needs paying back but I have no way of paying that back.

i have found the person with the SAME letter that I got!!!!! Word for word!! So I have done the same as what she has. Is this for the charges refunds that they have refunded before I started claiming or the money they have refunded for these claims? thank you for your help

UPDATE...... Sent letter requesting the rest of the money and they wouldn't so I submitted it to the moneyclaim website and they have replied with some of the money refunded saying that they have calculated it and this is the amount which I know its not because I sat down and went through the statements and worked it all out. They refunded me intrest on it as well which I hadn't asked for anyway but didn't refund me the court fees. There is still about £500 left which i really would like because its going towards are wedding!!! Where do I go from here? thanks in advance for your help.

Thanks for that, I will get searching and applying!!!

Title says it all!! I am with nationwide...

I wasn't taking it seriously!!! They were being cheeky and so was I. They put !!!! behind it and so did I! Don't take things so seriously, I didn't! I appricaite peoples help and thats why I said thank you

Thank you for your help!

cheeky so and so!!!

I sent the preliminary approach for repayment template letter from here. Whats a DPA request???? I have all the statements so went throught them all one by one!!! The ones that they refunded I left out of it anyway. It says on the letter about calling him directly if we are not happy about this or should I keep on writing to then its down on paper and not just words on the telephone. If so what shall I put in the letter the last one I had the template! No good with the wording of things like this!! Sorry for starting another thread!

They have Thanksed me for my letters and they say I am unable to grant your request on one of my accounts due to a previous refund :confused: If I was it was only 1-2 refundes due to THEIR mistake. However I can comfrim that we've refunded x amount to the other account' What do I do from here??? I don't understand why and I would like the whole ammount which I am entitled to. These are large amouint of money oweing me £940 on one account and £460 on another.

UPDATE!!!! Well looked at my online statement and they have refunded half the largest amount and thats it, I have 2 accounts and one had £950ish and the other had £460 They have sent no letter or anything, I was hopeing to get the full amount? Should I get the whole amount???

Well we sent it 2 weeks ago yesterday and I asked for them to reply within 14days. I will give them another day as its bank holiday but where do I go from now? Dn't want to get funny straight away but don't want them to think im not serious. Its around £1300 for 2 accounts.