Thankyou for the help Martin3030 I have just received a letter stating that my financial hardship claim has been accepted and all interest and recovery action has been suspended as the claim will repay the outstanding balance on my account pending the outcome of the OFT court case... What do I do now, do I start court proceedings or ask for a cheque? Cheers for your help, if this is in the wrong part of the forum please can somebody move it for me? Its an RBS account.

Hi there all of you absolute stars that help people with these claims... I need a bit of help... I have sent in my claim twice but my bank says they havent received it so am going for a third time lucky, only thing is my overdraft is over the limit (due to unfair charges) and I havent paid it for a while as I wanted to claim these charges back. They are now asking me to fill in a finanical hardship form... I intend to send it back with a letter with a schedule of charges on to remind them of my claim and as a student who cannot pay his bills, rent and has no income I think I should qualify for hardship. Do I just send the first letter with a schedule of charges and tell them Im not going to pay them anything and the refund can cover my overdraft etc..? Cheers really appreciate any advice...