Here is my complaint letter to BG, i will let everyone know of what i receive back as soon as i do Complaints Management Team British Gas Admail 3112 PO Box 927 London WC1V 7QZ Ref: **************** I am writing to you in order to register my disappointment and to state that I am no longer prepared to keep paying your estimated bills for gas and electric that I might or might not use in the future, which in effect are loans from myself to you on which I am probably entitled to charge interest on. Gas and electricity meter readers as far as I remember were at one time quite a frequent sight roaming around the streets of England. In recent years however they seem to have become a rare sight and it is my opinion that you have over many previous years begun to overestimate more and more bills and abuse your right to do so, which in itself is a huge privilege and is strange to understand its legality. Nothing would please me more as a proprietor of a small plumbing and heating business than being given the right to issue thousands of bills to the general public for work which I “estimate” I might undertake for them sometime in the near future and then sit back a make a lovely little living on the interest. Perhaps I could rent a nice beachfront property in the south of France and use it for the purpose of “estimating” how much to put at the bottom of each of my invoices!! I could probably even claim tax relief on my new sun palace!! It appears that the high street banks have recently come unstuck in quite a big way as it has come to light that many of their charges and practices probably wouldn’t stand up in a court of law, and although to my knowledge a legal precedent has not been set they are falling over themselves giving money back to anyone who asks for it in an attempt to keep their practises from coming under the justified scrutiny of a few judges who don’t necessarily have the banks interests closest to heart. The systematic abuse of privilege by “big business” has in my opinion now gone quite far enough and I therefore remind you of the FACT that “what goes around comes around”. You appear to have recently featured in the news yourselves by receiving a record number of complaints so here is another one!. Please contact me to arrange a meter reading and provide me with an exact statement of energy used and therefore money owed to you. Should there be any money owed from you to me as a direct result of your incorrect estimates then I will require repayment of that money in full within 28 days of statement. It is my belief that such a timescale is reasonable for a company like yours. Should you wish to install a token meter I will be perfectly happy for you to do so when we are both happy that no unfairness/overpayment is apparent. Yours truly,

Sorry, i didn't tell the full story. Sent SAR and got no reply 41 days, sent letter of non-compliance giving them 7 days and received a whole ton of statements after 10 days(was just going to send court forms) Got statements dating back to 1988 consisting of £1721(1988-2000) and £4320(2000-2006)

And that is without adding up all the "Interest debited-notified last month" If these are added both claims will go well over £5000 and i'm not 100% where to go from here.

Just got g/f's statements today and worked out that there is £4291 on one account and £4320 on the other in the last 6 years. Astonishly a mere £1721 in the previous 12yrs of one of the accounts!! on looking through the statements a clear regime of exploiting the increase in payments by direct debit is clear! they just let them go through and reap in the charges . Just wondering now if we should file 3 seperate claims?? we're writing two seperate requests for payment for the two accounts but not quite sure what to do about the £1721? is it worth bothering with?

who would i put as the defendant in my n1?? just the branch where the accounts are held or data controller for the bank??

We've sent SAR and allowed 40 days and received nothing,we then sent LBA giving them 7 days and on saturday morning received a letter saying "I can confirm that copies of duplicate statements have been ordered and will be sent under seperate cover". They don't however give any timescale for sending the statements and we are wondering whether to send in the N1. The one thing we are not sure of is what we are actually going to be claiming for if we send the court N1, are we just sending it to force them to comply with our SAR? or could an amount of money within which we know to have been overpaid be included? I've been through the templates and forums etc. but all the court related letters seem to include an actual sum of money that without the statements we are only guessing at.

Should we give them the full 7 days to respond or just go at them straight away????

Waited 40 days for the halifax to respond to the SAR, nothing arrived despite them banking the cheque for £10:-x , we have just sent template 3 from the site recorded delivery today which says it gives them 7 days to comply or we go to the court to force them to do it. This is where i am now stuck for what to do if they once again choose to ignore the letter. Hope someone can point us in the right direction asap so as we are ready in plenty of time to respond to whatever they do.

The 40 days are up and nothing has been received, and just had a statement today to say that the £10 cheque enclosed has been drawn by them! would love to know if this is pushing it a bit because i definately think so!! the letter of non compliance will be in the post monday but i'm still dumbfounded they've had the cheek to take the f***ing tenner:mad: . Like to hear what anyone else thinks!

Still nothing received from them!! 36 days!! getting the next step ready now so i can post on the 41st day.

Thanks 2Bad, i want to be ready to send them something as soon as the 40 days are up if they have not complied, i think its best to give them the full 40 days though rather than pester them while they still officially have time to comply(this just doesn't seem professional). I'll be looking at the non compliance letter and it will be ready to go on the 41st day! If they do happen to send anything else i'll be posting it on here for everyone to look at and hopefully we can decide on the best course of action Thanks guys Zenith101:rolleyes:

Hi everyone, I've begun the process of reclaiming my girlfriends halifax plc bank charges which i estimate could possibly be in the region of £10000 over the six year period judging on what i've seen of her finances in the last year and the stack of £39 unpaid D/D charges every month etc etc. I sent a subject action request letter pertaining to two acc's which was signed received by them on the 6/9/06, as it is the now the 4/10/06 and the halifax appear normally to be pretty quick at replying i'm wondering what they are up to. As there are serious amounts of money involved and possibly another credit card reclaim coming up with also a large amount overpaid i would be grateful for any advice i can get so if everything comes to fruition i can send copious amounts of whatever my trusted advisor/s drink! out of the halifax's illgotten and completely corrupt gains. Looking forward to sound advice(hopefully) Zenith101