thats fantasticly quick , well done, dont forget the survey:D

it refers to a list of the charges only and the dates they were received, however its not required at this stage, so you can remove that part from the letter

anything that is deemed a penalty, and not a service is recoverable

good luck, keep us posted

you have to be registered for internet banking, if you are you can then just use their service , its very easy actually, if you're not registered give em a ring or go into the branch and they will sort it out for you. even if you dont use it to collate your statements it is very handy to be able to check your account whenever you want

ok, mcol filed in , details pm'd to bf hmm its a bit different when its your own case , rather that giving out advice isnt it?, im actually a litttle unsure as to what to expect -revisits faq's for 94th time

you may actually be surprised, as lately those with similar size claims to yours have been geting 90% offers from just the first letter, fingers crossed

click the link in my sig

WOW thats fantastic, congratulations, a lot of people have won this week dont forget the survey , and a donation pretty please

congratulations, im going to file my claim tomorrow, hopefully i'll be in your shoes fairly soon

send a reply letter saying that you accept their offer , however you will continue to pursue the outstanding amout of charges as per your original timetable

dont be nervous, the bank may submit a defence, but again dont worry they are just trying to use your fear against you, so that you will give up, dont do that, you'll get any support you need from us here, keep us posted

i think you may have to be having a word with mr dpa commisioner about this one actually, however it might not hurt to sent a quick letter off to ask if they actually read the letter in question , in regard to requesting two sets of information, but you may have to out in an official complain to the ombudsman if you get no joy

ok the template letter asks specific requests, i.e any evidence of manual intervention, which they have failed to disclose, so dont worry about that, however if you try and take the bank to court because they havent sent you everything and any beyond 6 years, youre going to look silly , as the bank has complied with your dpa request exactly as you asked, so , tot up your charges and proceed to step 2 please you have to know exactly what you are doing here, or the banks will capitalise on any ignorance, re-read the faq's , step by step guides and any completed actions by forum mebers unitl you have it clear in your mind what you require to succeed (do no pass go, do not collect £200) that is all thankyou

sounds like a plan

good luck keep us posted

did you send the letter recorded delivery?, if not you cant be 100% sure it was received, however it may have been received and still no response would be forthcoming, dont worry, stick to your timetable and follow the step by step guide in the faq's (link in my sig)

as always its up to you and how much you really want the extra money, it is bloody close though, dont forget though you get 8% interest if you win after a court claim has been issued

ok, no you cant claim for anything like that, its an absolute minefield you would be walking into to try and get anything like that back

click the link in my sig

rofl, thats an interesting way to start your thread

congratulations, dont forget the survey

well done spiceskull, that is exactly what people need, a brief explanation of a sample case to get their heads round it, and links to relevant detailed explanations i doth my cap sir sticky?

very unlikely they will ever stop levying the charges, they may reduce the amount though if you pursue, the whole amount it will take longer, but you can claim your 8% interest with your court claim

a mortgage is a seperate issue completely, they cannot forclose on your mortgage because of any action you take as it is a breach of contract, its always wise to open a parachute account anyway, make sure you get one with a dd facility and you can just make payments from there, easy