(Just changing the title of the thread)

Literally the day after I sent my LBA out had a certain letter from Colin Langdale offering me £700!! Can't believe it... this must have been on the back of the preliminary as they wouldn't have had my LBA by the time they sent it out. So in seven days they say the money will be credited to my account. I'm going to accept it as the original figure is £789, so it's a decent offer and I need the money soon as we're moving house. I know it's my money as it was obtained illegally, but I'm happy to forego the £89, for the lack of stress of filing a claim. Which I suppose they're banking on! Just wanted to say thanks very much to everyone who created this site and all the people who helped. Will definitely be donating!

LBA sent! by recorded delivery... Fingers crossed....

tar v much. Will send it off tomorrow and keep you posted....

Right - just got round to sending off the LBA - just a quick question - apologies if it's silly i have read the FAQs honestly! At the top of the LBA it says i'm annoyed they didn't respond to my letter dated blah blah, but they did - just to say they're looking into it. Should i rephrase it and if so, any decent suggestions?

Thanks for the replies. It's so frustrating, you try to get everything in order and then bang! another charge sends you right over the limit! Good luck everyone. I'll let you know how it all goes.

HI Everyone - My 14 days from when they received my prelim runs out on Friday - Got a letter yesterday morning saying they were looking in to my claims and gave me a leaflet. Seems pretty standar by most accounts... It was singed Pamela Aubrey Smith, I sent the prelim to "Branch Manager". Will keep you posted!

I had a couple of unpaid items - at £20 or so about five years ago, so just thought it would be more straightforward to just claim for last year. THanks for the quick post!

Hi everyone - I've been lurking around now for a couple of days. Basically I was furious when i was refused a mortgage because of bank charges on my current account - also when the reason i went over my overdraft limit was largely due to £125 suddenly being withdrawn from my account. Which means the next month I get charged too. So I totted up the amount of bank charges in the last year - which came to £789. I sent the preliminary letter out yesterday to my branch manager by recorded post. I'll keep you all updated. Thanks for this site though - normally I'm one of those people who's rubbish at complaining and usually ends up apologising for someone else's mistake. So, here's to standing up for myself! Nervous, but could really do with nigh on £800. So here goes... BTW - if i get my money back will definitely be donating to the site - the library stuff makes it so much easier than trying to draft a letter on my own. Ta