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Everything posted by thewifeandI

  1. Is it possible to request that any refund of charges is applied to the account retrospectively so that interest charged by the bank is refunded and interest earned is added back? This would put you back to where you would have been had the charges not been applied originally and would therefore be a true reflection of the true cost of the charges. Cheers.
  2. If they take that line with me I'll copy it straight to Watchdog, Which?, Trading Standards and the national papers. Cheers.
  3. Hi again, Just worked through all my wife's account statements going back to when it opened and found a bigger total than first expected - £1500. As I have all the data this one is going straight to the Prelim letter - recorded delivery tomorrow. Cheers.
  4. Hi, Just had a newsletter from the Motley Fool where this site gets a mention over bank charges. http://www.fool.com/m.asp?i=2031682&u=199060878 Cheers.
  5. Hi, Thanks for the encouragement! Quick question - is there some form of 'cease and desist' letter that can be sent to stop them from taking any futher charges in future? Cheers.
  6. Hi, Starting on the DPA stage today. Estimate so far on joint account is £3K not including interest that would have been charged with 11 statements missing, and a few hundred on the wife's account as well. Will keep you informed as it goes. Preliminary letter sent before I found this site still hasn't been answered after 7 working days - not unusual. I intend to go back more than 6 years as I've found some anomalies in 1999 where an unauthorised OD charge was taken in several months, but the account balance on the statement never exceeded the OD limit on any day in the month. Ch
  7. Hi, Thanks to everyone so far for the speedy information and encouragement! I suspected this would be the case. Cheers, Jeep.
  8. Hi all, Just found this site today and it looks like just what I need. I'm in the process of reading the FAQs and going through some threads relating to the history of other claims against my bank. I found the Govan letters last week and I had already written to my bank asking for details of all charges on my account over the last 6 years before I found this site. In my situation the charges taken from my account in a month have topped £600, and eat into the money I have left to pay my bills, making it more likely to happen again the following month, and so on... When I don't
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