update - I have Won!!!! full repayment of ERC + Interest + Costs from A&L going to be a good Christmas....

I redeemed my mortgage with A&L in February 2004 and had to pay £3733.41 in "Repayment Fee" and £195.00 in "Early Closure Admin Charge". The timeline is as follows:- 20/09/2006 Following Zootscoot's wonderful example, I wrote to them requesting a refund of both charges 26/09/2006 letter received from A&L - "I am writing in response...Blah, Blah, Blah...We will get back to you sometime 02/10/2006 Letter received from A&L - "We do not agree with your view over the legality of the charges... You signed the contract" followed by a full and detailed justification for the £195 Admin Charge " retrieving the deeds, sending them to Solicitor, issuing redemtion quotes, etc" However as a gesture of goodwill, we will refund the charge we can justify. 09/10/2006 LBA sent accepting £195 as partial settlement but requesting repayment of £3733.41. 11/10/2006 Letter received "our position remains the same" 16/10/2006 MCOL issued including 8% interest of £733.96, deemed served on 21/10/2006 20/10/2006 Claim acknowledged - they have until Monday 20/11/2006 @ 4pm to lodge a defence 20/11/2006 Letter received "We have reviewed your claim and decided to settle so heres a cheque for £3733.41. Rang Jackie McGuirk accepting cheque as partial payment and wanting interest and MCOL Fee. She agreed and is raising cheque. 24/11/2006 Rang again chasing cheque and "it is being processed" Hurray (and many thanks to Zootscoot for trailblazing)

Hi bunnykins Phone number is 01244 672628, I spoke to Paul Miney who sorted me out - the switchboard put me on to him when I rang to speak to Steve Bailey Good Luck

Sorry still having problems with the spreadsheet - I have tried emailing vampiress as per her previous post and got the following reply Please note this email address is now CLOSED for spreadsheet requests and you WILL NOT receive a response unless Vamp has specifically requested that you contact her. All spreadsheets are now available for immediate download in the 'Bank Templates Library' on the Consumer Action Group Forum. Unfortunately the links still don't work please help as i would really like to get my money back

apologies - just noticed the posts above - doooh!! have emailed vampiress for the spreadsheets

Hi - I am new to this site and just about to start action against MBNA and First Direct. I have been reading the posts and the FAQs and am now starting to get the paperwork together to make claims. However, I cannot open/download the spreadsheets in any format - when i try to open them from the link in the library, i get "the page cannot be displayed", when I try to save them prior to opening , I get " The site was not found, check the address and try again. The address the link is showing is http://www.cag-images.co.uk/a/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls Is there a problem at your end or mine?