This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi again, jonni2bad - was just wondering how am I hijacking my own thread? Anyway, my latest update is as follows: I didn't get a chance to send my second letter following on from their "investigating" letter, as this morning I received another letter from them saying that their charges were lawful and still stand blah blah blah, but on this occasion they are refunding 100% of my charges as "a goodwill gesture". Either way, a result for me and I've now got the confidence to take on Lloyds TSB (which I will start a new thread for). Oh and I have filled in the survey in case anyone was wondering. Thank you to everyone for their advice and support x

Well, I'm ashamed to admit that I still haven't got up the nerve to send my second letter. I did receive a reply to my first letter the day after my first post saying the usual "sorry you're not happy - we'll investigate blah blah blah". I think for my own piece of mind I'm going to have to open a parachute account with enough overdraft available that I don't drop myself in it if they close my account. Once that's done I'll post my second letter. Also, my fiance has decided that he wants to chase Lloyds TSB for his charges so as there's no overdraft on that account we're going for it full steam ahead - data request letter is printed and ready to go!

Hi everyone, I could really do with some reassurance. I've sent my preliminary letter to A & L for charges of £59 (not much I know - but still money they shouldn't have taken) Anyway, the 14 day deadline ran out yesterday and I haven't heard anything at all. I've got my letter before action all ready to go, but I'm petrified of sending it. From reading other threads it looks likely that they'll close my account eventually. Unfortunately I've been making full use of the £2000 overdraft so it looks like I need to find another account with this facility pretty sharpish (any ideas?). Anyway, I'm just worried about what following this course of action will do to my credit rating. Please advise me - I really don't know if it's worth all of this even if it is my money I'm claiming back.