Hi, being new to this site i think that the FAQs could be anywhere and people would still repeatedly ask the same questions. Some of us do have a read thru them! The problem, i feel is there is SO much info that even those with brains seem to go on to overload. Has there ever been any thought into a kind of mentoring system?? I know that all advice is free and of personal opinion, but perhaps those who have been thru the process can assign themselves to us 'claim virgins'. Then we could return the favour once familiar with the system. Sorry if this has all been said before or seems obvious or stupid, it just seemed sensible to me! Sugar:p

Ok, have sent the letter requesting details of charges etc to rbos, including to £10 charge, which i understand is the first step in claimimg back my charges. I've just been looking at the interest calculations and really confused. If, like me, you have an agreed overdraft, but tend to go over it, is it possible to claim interest? I've read all the notes in the thread to do with the spreadsheet by vampiress but clueless. Can someone please point me in the right direction as i'd like to understand this fully before getting a reply from my bank with the info on charges. Thanks, Sugar:p Ps, informed all my friends about site, hopefully we will change the world!!!!

Thanks for the encouragement, think I'll be keeping my clothes on, don't think terrifying the bank ito submission is really legal!!! Already posted letter and a quick scan thru my statements from march 2004 is encouraging. One thing, not sure if you will know, but can we also claim for 'refferal charges', which were applied in varying amounts to my account. Don't worry if you don't know, i will look it up. New to all this but it seems a sort of 'mentoring' system would be good to help each other thru all the jargon and forums etc. Cheers, Sugar:p

Hi Ted, Just to say good luck. Like you said, you have nothing to lose, apart form that which you already have. I'm just at the beginning of the process and can see that it can really become tough, but you seem to have hit the low and be coming out the other side. Best of luck and smile whilst selling those clothes! Sugar:p

Many thanks, and wow, what a quick response. Will contact bank and fingers crossed as have a feeling it will be rather a significant amount and make all the difference to my financial situation which i can never seem to crawl out of. Sugar:p

Hi, like many others, new to this site after finding it on moneysaving expert and in need of a little help! I have read lots of the site and still alittle confused, must be something to with the colour of my hair!!! From what i can understand i need to contact my bank (RBOS) asking them for a record of my account for the past six years. What i don't get is the £10 fee part. What's that all about?? Also, can I just write and ask my local branch for them? Cheers and sorry as I'm sure many others have asked the same.... Sugar:p