it wasn't the 8% it was the debit interest charged on the overdraft fees.. thank you for the reply... it just so happens that I included all these arrangement fees which means that my claim was seriously overstated... This now means that the bank offer of £1033 is very close to the actual total I should have claimed of 1037.07... I think it is a fair offer and am going to accept it... I can live with a loss of 4.07... Thank you for your help

The 1434 only included the interest deemed to have been charged on the charges themselves.. URGENT HELP NEEDED... I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

Got a letter from FD ofering me 1033 instead of my 1434... I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan... I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

Well, I'm glad you said that because I have seen comment on other threads of people saying that they signed the confidentiality clause, and to be fair I would have done the same...

Well no word from FD since the "we will reply to you within the next 10 working days". Posted LBA today recorded delivery... see what happens next...

I assumed you had to agree to the confidentiality clause, is this not the case?

I saw an interview on tv where they told people to go and claim their unfair charges back and it was mentioned that some banks gave the money back but closed the accounts as well.... Anyone experience this with FD?

I am at the same stage as you... their 10 day time limit finishes on Friday so will send second letter with further 14 days... Not sure what the second letter should be though, need to have a look...

Got a letter from the bank saying they are sorry that I am unhappy but will reply to my query within 10 days... Let's see... will keep you all posted...

I'm sending this one: IS IT WRONG??? [your address] [their address] [date] Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxxx My request I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. etc, etc, etc

Just printed the letter to be sent tonight to First Direct giving them 14 days to agree to pay back what they charged me. Wish me luck... Just out of curisioty those of you that have gone against FD did they create a lot of fuss or are they paying fairly quickly?

Just thought, does this only apply to overdraft fee's? I presume they are within their right to charge you interest on the negative balance on the account.

Will do, have downloaded the spreadsheet from the library to help

Thank you for such a quick response... I actually think I have all my statements in a box somewhere, so I just need to summarise all the charges for the past 6 years...

I have looking into this matter of bank charges and was considering going through the process because I have been charged before and haven't got a clue how much... I am strugling to get past the first step though. If you don't know how much you have been charged in bank charges, what's the first letter that I need to send and to whom?