Thanks for that.I have checked out Schedule2 and it does mention about offsetting...but since there's £0 on my current account, there is no chance they'll put the money back, is it? Once i start claiming my charges back with HSBC, will mention that they repeatedly broke the law (including this little act). v.

to pay off my overdraft!!! I am furious! Can they do that? So I went to the bank withdraw all money from savings account and an extra £100 over my limit from my current account... Does anyone have any ideas what to do now? Thanks V.

Yes, it does help.Thank you! v.

Hi there, received my statements from natwest, but don't understand the spreadsheet for charges and I need to send it out a.s.a.p!! it's got an 8%APR column- isn't that one supposed to be added after the court? and do i have to add the interests what they charged me every month? someone pls help!!!!!!! thanks v.

Hi I have just sent out hagenuk's template letter (thanks hagenuk!!) recorded delivery- i thought i give barclaycard a last chance...but got the complaint forms ready filled out (Commission Officer) -as soon as i get a reply back from BC will send it out-almost sure that they still not going to comply.and getting my head round to do the N1 form (Thanks David!!) hope i'm doing everything right! v.

Hi I have received statements from Marbles and Natwest but the spreadsheet in the templates have 8%Apr column in them.as far as i understood the process I must not add the 8%APR when first sending the claim.Shall I just delete that column or is there another spreadsheet?also, do I have to add any interests(whatever shows on the credit card statements)? Please help Thanks v.

So you guys are all estimating and claiming after the 2nd letter they sending back refusing to send the list of charges?

hi Juli99,D5weddle and David I have questions fro you: Julie99- are you still within the 40 days? are you reporting them to the Commission Officer? and did you send anything to them after the 'puzzling' letter? David- I understand that you are on 55 days now, did you send them anything after that 'puzzling' letter?are you estimating the bank charges when filing the court claim? I might be thick but can't find any template for as for reply to the 'puzzling' letter! D5weddle- which template is the one u are mentioning? can you send a link please? thanks so much! vik

thanks nik. but this is what i'd sent and they replied back saying that 'your reference to the case of Smith-v-Lloyds is puzzling' because it fully supports Bcard's position! and as they explained 'copy statements held prior to may 2004 are stored on microfiche bla bla ..and that i can get the statements for £3 per statement or can complaint to Financial Ombudsman services. i can't find any template which can follow this 2nd 'refusal' coz i'm still within 40 days. any ideas? thanks v.

yea, but shall i send a letter again -and if yes, which one? The templates (non-complianece within 40 days) is not really logical after the letter they sent me...

hey everyone, I've been trying to find the answer for my Bcard nightmare... they sent me the same rubbish about the microfiche and i replied them with the same letter as the first thread (juli99) and they replied back basically saying that Smith-Lloyds is 'puzzling' because it fully supports barclays!! bla bla...and i could speak to customer service and pay £3 per statement!! is there any point in speaking to Financial ombudsman or Commission Officer??? I'm feeling lost now...don't really know what to do!! any ideas? thanks v.

hi, they have sent me the same thing, talking about microfiche and £3 per statement and the charges from 2001, they also have sent me statements for june2004-oct2004. I'm just about to send a letter back (found a template but with Abbey Nationals address)but don't really know where to send it! Same address where the letter came from or should be a Regulatory Compliance adddress somewhere??? Please someone help, need to send it out today! thanks viks

for Barclaycard?Got a letter saying something about microfiche, found a template to reply but is got Abbey National's address on it... Does anyone know it?? Please help!! Thank you

Hello, I just got a letter like that from barclaycard! got the template above but does anyone know what's the Regulatory Compliance address fro Barclaycard?? Please help!! thanks

Thanks for that guys! Just thought would be easier to keep track of the stages of the process if i do them in the same time...but then just might have to take it on as a full time job!;-)

Hello, I have been reading through this site for over a week now, just to get my head round the whole process (there are still some dark spots).Anyways, I have sent out my request for list of charges on 29/07/06 to: Barclays Barclaycard MBNA Marbles Natwest Halifax Capital One. I have received 2 letters back yesterday.One from Barclays-returning the cheque of £10 -and saying that they not actually under any obligation to provide me with the list of charges but will send me statements (free on this occasion)and I can work it out from there. The other one from Natwest saying very briefly that will provide me with statements within the 40 days and that they have cashed the cheque. In the meantime got charged on my current account (HSBC) £125 for going overdrawn(I haven't sent them anything because I haven't got a 'parachute account' yet),but phoned them and asked them to refund that charge since the amount I'm overdrawn is...never gonna guess...is £125.they offered £50, I accepted it but said to them that I'll send a claim for the rest of the money. That's it briefly.Can't wait to 'ave them all!They have been torturing me for the last 7 years!! PS brilliant site, i'm recommending it to everyone!!

just a quick question anyone... is it the same letter used to request list of charges from Credit Card Companies as the bank you have your current account with?please help, i'm just about to send out letters but want to make sure everything is perfect... Thanks in advance

Thanks for that Glenn.Still a big help if it comes off the balance...

hello there, just read through your msgs, I am actually with a Debt management Agency, who negotiated with all 6 of my credit card companies. I am just about to start the process of claiming the unfair charges back, but a bit worried that then they will say that I would have to pay off everything or can't carry on paying the negotiated (small) amounts, or they would stop 'freezing' the interestes. Anybody any ideas?would be much appreciated...

I'm new to this site and I'm really looking forward to have my money back from Capital One, Halifax, NatWest, Marbles, Barclaycard, MBNA, CapitalOne, Barclays, HSBC. I think this site is a blessing-and I haven't even 'looked around' properly. There's one thing I'd like to find out thou: The above credit cards are all being paid off via a debt management agency, would this affect the claims in any way?Can I still claim the charges back? Thanks!