I havent heard back yet (i was delayed in sending letter anyway) but i doubt i will get anywhere either. Even though the "hardship" criteria i definatley qualify for. I wish this was all over and we could just get our money back!! I hate A & L i cant believe i ever went near someone that charged £5 per day for being over overdraft.arghhhh!! Now to find another account

thanks I just found it!

does anyone know how i word this???!!!

With regards to the above, when do I add it to the correspondence? Is it when I send the prem letter? and does anyone know how to word it? Thanks in advance!

Oh I see. well the amount at the moment is £200 so fingers crossed it wouldnt get that far! thanks for your help.

hi thanks for that, i have read it but ...i still dont understand the differences!! sorry can you explain what i need to do different?! thanks!

Hi I managed to claim back bank charges a few months ago but they have since charged me a few hundred again in charges. can I claim again??

anyone?? help!

IS THE CONTACT ADDRESS FOR THE PREM LETTER THE SAME AS FOR PERSONAL ACCOUNTS? I.E Colin Langdale, Senior Service Quality Officer Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP

she will be pleased as she seems to have a lot of returned cheque charges! thanks for your help! no doubt i will be in touch!

Hi What is the deal with business accounts? my step mum has asked me to look into it for her...is it the same procedure as normal? also can you claim back charges for returned cheques that have purposely returned AN HOUR before the money being available?!! any help will be great ! Fran

how do i find that out? is that the date that i sent the submission or when they acknowledged the claim??

I had already done that and submitted a claim for the rest. I have been on holiday and just gone online and seen that they have entered a defence....help!

Well its abit confusing... i issued the claim and they acknowledged. then a few weeks later i had £883 in my account so I assumed that was sorted even thought they owed me 925.27 but received a letter today from them implying i was requesting a 925.27 as a further payment and saying i needed to provide evidence of this unless they will submit a defence?!! not quite sure what to do!!

how do I cancel a claim??