LBA winging it's way towards YB as we speak. My complaint was referred back to the branch so am copying everyone who I have had correspondence from , in on the latest. Also suspended payments to them. Previously, they have been very aggressive with even the slightest late payment....I have heard nothing from them on this front since I said that I was disputing all of it.So claim will go in ( with them having benefited from 21 days after the initial letter instead of 14) 5th July prompto. Like many others, am feeling a whole lot better now I feel the balance is being redressed....too long feeling powerless against the bully boy tactics..... Do they really think people will just lie down and change their minds....it's the principle of the thing. Cheerio for now!

Cheers for reply....issued letter today (copied to world and his wife at YB to prevent stalling and sent by recorded delivery) informing YB that I would be suspending payments on the outstanding amount as I am now in official dispute with the bank about the amount.It will be interesting to see how they respond to that. I had been holding off with the latest payments while I got some advice.Amazing how they managed to write to me three times in one week isn't it!!! LBA also due out on Fri 14th.....

Have just sat down and added up all my charges across a 6 year period with YB....am feeling seriously aggrieved now as this appears to coome to £2201!!!!!:o However, at least now feeling pleased that I have been anally retentive type and saved all bank statements so no tug of war about getting them from the branch. Sent request for repayment first letter off today to their Collections dept. They closed my account last year when I was in real dire straights and I have been paying £150 a month against the outstanding balance ever since. Imagine how it feels to work out that I owe them £1400 and they owe me £2200. Maybe I can expect one of these £50 offers as a goodwill gesture that I read about somewhere else on this forum. Good to have got the ball rolling....