They owe me £2445.00 plus interest if I go to court. However I am worried that I could lose and end up with nothing!!

Sent L.B.A. have received a response on the 13th day!! It reads as follows! **************************** Dear mr! I refer to your letter dated?? May I say how sorry I am to learn you feel the bank charges you have incurred are unfair. In your correspondence you have referred to elements which you feel support your claim. Barclay's is aware of the information you have drawn to our attention. I must inform you,however, that we disagree with you view. Blah Blah Blah terms and conditions etc!! Despite my comments above in relation to your views, on this occasion, and without any admissions of liability, I am willing to offer the sum of £1000.00 towards the total amount you are seeking. This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill, in full and final settlement of your complaint. Question:?: Should I accept? Should I accept and still carry on with legal action? Should I reject the offer? Any advise would be gratefully received.

I have received my information which I duly entered into a spreadsheet to compile a schedule of charges and was horrified to find the final figure of charges to be £2445.00 My preliminary letter is now in the post along with my schedule. Only time will tell!! Fingers crossed.

Thanks for the support. I guess the more you read the more confident you become. Fingers crossed.

I sent my first leetr to the Woolwich Bank on the 9th October. The response is as follows: ************************************************************ DATA PROTECTION ACT We refer to your letter of 9 October, which was passed to this department for comment due to your request for certain information under the terms of Data Protection Act. As requested, a schedule of charges is in course of preparation and this will be sent to you shortly by the Woolwich; there will be no charge for this service. As the bank is providing this information on a complimentary basis, your payment is returned herewith. As regards your mention of “manual intervention”, the Data Protection Act does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute “personal data” under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention. ************************************************************ I am presuming they are trying to get out of admitting that they had to manually intervene. I will wait an see just how much the charges amount to. Is this still worth persuing?

I have been reading the forums and flicking around the site in disbelief. “Can this really be true?” I was told by a friend to visit the site and it maybe worth a try. I was billed to the sum of £350.00 last month by the Woolwich I can not believe my account required that amount of input due to being overdrawn. Hopefully this will lead to the retrieval of my money. I believe strongly in the power of the consumer and for too long the British have been down trodden without much complaint. I complain at every opportunity nowadays so much so I have earned the nickname Victor Meldrew. Heres hoping.