fekking barstewards! Did they give you any notice of the cancellation of your overdraft facility? Have they charged you for being over the agreed overdraft limit?

I have sent my claim to my branch, and that's where I sent my initial request for a list of all fees that they had charged me. My branch (Newington Branch, Edinburgh) dealt with the request very quickly, or they quickly passed it on to the right person. What was the letter you sent? Was it a request for a list of charges, or a demand for the repayment of them? If it was the request for a list, did you use the template that is in the FAQs section? It has all the right terms in it and has "data protection act" in big letters at the top, so they know they have to listen. Incidentally, they didn't send a list of charges, they sent a copy of every single bank statement, right back to 1997, so I am chancing my arm and requesting that charges from way back then are repaid too.

Letter printed at the library today, but the post office was closed by the time I left, so it will be going recorded delivery tomorrow morning. In case anyone wants it, the address that I sent it to was MINT Customer services Centre PO BOX 6050 Southend-on-sea SS99 1WL

PLA hand delivered to my branch this morning... fingers crossed...

Cheers Chimera, I see that your claim against cahoot seems to be going to plan, well done (and fingers crossed for you!)

I am sending mine tomorrow, did you hear anything back?

A friend of mine had her identity stolen and someone used it to take out a mobile phone contract from the shop Phones4u with the network 02. My friend started recieving bills. When she called to explain that she didn't have the phone in question, they wouldn't let her talk about the account because she couldn't answer the security questions that someone else had set up, thus the whole thing went on and on. They were demanding money and she was refusing to pay for a phone she didn't have or use. This has effected (affected? 10 points to the person who explains the difference to me) her credit rating. She got a copy of it from Experian and on various creditcards she is seen as a poerfect borrower who never misses a payment, but phones4u have put a notice on it saying that she is rubbish. Oh, and when she talks to phones4U they say speak to o2. When she speaks to O2 they say, sepak to phones4u. This means that she cannot transfer the balance on her credit cards to take advantage of 0% balance transfers. Anyone got any ideas how to fix this mess?

If this is true, then why have cahoot just sent me a message to say that they are reducing their charges from £30 to £12? Seems to me they have realised that their charges are neither "reasonable or proportionate"

I asked, through their secure message thingy on the website, for a list of all charges that they had made against me on my credit card and current account. I recieved a letter in the post with all the charges, and what they were for. They didn't send me a list of all the transactions that I have made. They did it pretty quick too, i think I got the letter within 5 days. Maybe you could ask for the same sort of thing?

I have recieved my list of charges for my current account and credit card. The total amount is: Current account - 14 times £30 (unauthorised o/d charge) = £420 Credit card 8 times £25 (charge for late payment) = £200 Now I need to decide if I make a claim for both of these at the same time, or separately. If they were both bank account charges (or if they were both credit card charges) I would be happy to request a refund for both using either this (for bank accounts) or this (for credit cards). Can I request refunds using the first of those two letters and putting the creditcard number in in place of an account number?

I have recieved my list of charges for my current account and credit card. I the total amount is:

you know, I would have thought that a bank that did most of their work through the lovely internet would have been able to use a wordprocessor. How many £30 charges equals a copy of WORD? Barstewards, the lot of them

I recieved the following message from cahoot, through the secure message doodah on their website: "Information about your cahoot credit card fees and charges We have reduced the fees relating to your cahoot credit card. The fee for exceeding your credit limit has now been reduced from GBP 25 to GB 12. The fee for making a late payment has now been reduced from GBP 25 to GBP 12. If you have any queries please get in touch through 'contact us' above. An email has been sent to "my emailaddress" detailing the changes. If you did not receive a copy of this email, please email us through 'contact us' and also check that your contact details are up to date in 'change my details'." It would seem that somebody in cahoot has noticed that the fees they were charging are illegal and they have reduced them!

Just wanted to pass on my support too, RIN. Keep going!

Cheers for the info about the email address, that'll come in handy, Out of interest, did you just write them a plain text email or did you attach a word file?