Thanks for the reply. That makes sense, i think thats what i'll do. I was eager to hit them with the LBA ASAP, but probably best to wait the full 14 days as it says on the prelim. Cheers

Hi Karen, Looks like your at the same stage as me! I received that very same letter this morning, so yes, looks like its a standard one. As they have replied, you should probably go ahead and send the LBA straight away. Thats what im doing anyway, it'll be in the post first thing tomorrow morning. As far as your account goes, yes they CAN close it but as i understand it they very rarely do. Keep looking round the site, im sure you'll find all the answers your looking for. Good luck, and let me know how you get on. Gary

First of all, well done on a great site! It's so good to see greedy banks get some of their own back. Anyway, I sent the prelim. on 15th May and received my first 'sod off' letter (including vague threats to withdraw facilities) this morning. Before I procede with the LBA, i have a question to ask if i may: I am claiming £231, but another £105 worth of charges is due to be debited from my account on the 1st of June. Should I include this in the claim? Thanks in advance, Gary