Just to be sure, what is the £547? If it is the 8% (s.69) interest, you can't claim this until you get to the County Court stage, though you can make them aware of this value. If the £547 is overdraft interest accrued solely because of the unlawful charges - include it in your initial, preliminary claim.

No. If you haven't heard back or haven't received a sensible answer after 14-days, send your LBA letter. If they phone you - agree to nothing. If they make an offer, regardless of how low/high it is, you *must* ask them to put it in writing. If you don't receive a written offer or you choose to reject it - LBA. It's your timetable, not theirs. Stick to it!

So it's not all bad news then...!

Still not sure you need 3 seperate letters... This could get well confusing, you're going to get 3 lots of replies, followed by 3 LBA letters and if you take it to a logical conclusion, 3 lots of court fees. If you did file 3 seperare claims, the Halifax would ask the court to merge them, so you'd be no better off. If I was you (and I am so *not*), I'd merge these at the earliest opportunity. Good luck to you!

I'd prefer to stand in front... Good luck Seminole.

Huzzah! Yeah, that makes sense - better to pay £1,000,000 in compensation rather than defend one case at a cost of £20k which would stop other from trying.... What is that funny smell?

I'm 103% sure they are taking the pish. Quite a few threads on here relate to people claiming charges on their business accounts. The only potential problem would be if the account belonged to a Limited company, especially one that has been disolved, unless you owned 100% of the shares.

Here's one I did a while ago, mostly to cause retina damage to other people.

God help them. If they haven't upgraded their swipecard thingy, they are liable for any fraudulent use...

I sent my to the Swindon address (Electra house). But then again, they haven't actually replied yet...!

With any luck, they either won't charge you at all (it's some banks policy not to charge) or realise the cockup and refund £20. As you say though, you're claiming a chunk of cash so the "lost" £20 will still be worth it. Good luck!

No need to justify yourself at this stage. What I've been doing is printing the spreadsheet, including the column showing 8% interest and including this with the LBA letter to justify both the number of charges but to also point out that failing to settle will bump the repayment up considerably. It's worked for me.... so far!

The trick is to use the DPA approach (letter in the templates folder). Under the Data Protection Act, the maximum charge for information is £10, regardless of how much paper that involves!

STOP! You don't need to send 3 DPA letters and 3x£10 if you've got three accounts with the same bank. The clue is in the name; "subject" access request - it's a request for all information that they hold about you (the subject), not individual accounts. You just need to put all the account numbers on the one letter. Honest!

Just go straight to the preliminary letter. There is an argument that you need the manual intervention question answered - but I say; pfft!

Don't worry - the manual intervention question is just a belt 'n' braces thing to stop them turning up at court claiming they spent 300-hours manually fiddling with your account, hence the charges. The thing is; they mostly ignore the question and they (so far) have settled long before having to provide the evidence in the County Court. Fear nothing but fear itself!

That would have to be a novel disability wouldn't it? You can hold a pen, but you can't press buttons on a keypad? Maybe ultra-sensitive fingertips? Made up disease: Hyper Sensitive Meta Carpal Syndrome (HSMCS). I'm sure you could fake a webpage on this "appalling and painful" condition...

Sweet baby Jeebus, December 2000 and February 2001 must have been a veritable paperstorm of "bounce" letters...

It should; If your monthly bills (that you can pay be CC) amount to £500, you have to pay these anyway, so pay £596 off your balance, then use the "extra" £500 to pay your bills. For the x-days between paying the card and the bill transactions coming off, you will have paid less interest (maybe less than a tenner - but it's still money . Only works though if you aren't bouncing off the upper-limit and your monthly bills are high enough to make it worth the hastle.

I was wondering about the Egg charges; the OFT report specifically praised Egg for their approach to charges. Not sure it changes anything though; if they are unfair, they're unfair and you should be able to claim them back. Would be interested to see what happens - I've got an Egg card on my list "to do". Good luck!

I don't want to be picky, but...; 1. Have the Admins said it was OK to do this? 2. The link goes to a forum thread - shouldn't it go to the homepage? 3. IMHO - It'll be pulled by e-bay once they realise there isn't actually anything to sell. I think that's kinda against their T&Cs...? But nice idea!

Please don't. *spacks out and collapses with a brain seizure*

Yes. It certainly does. If they were going to fight, this nonsense about "the defence costs are higher than the claim" would be kicked into touch already - they've paid £x-millions rather than fight one? Doesn't make sense does it...?

yeah, that's what I meant to say.... (curses!)

Good luck! *waves*