This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

After having spent hours, possibly days considering whether to pursue my claim through the court, I finally decided to go ahead, and last week on 4/10/06 logged my claim on "Money claim online". I checked my bank account today (looking for a refund from my electricity provider) and I have been credited all my charges and fees on 11/10/06. Fantastic! £1421.86 claim, plus £385.28 court fees + interest. Thanks Consumer Action Group I would not have done this without your website and forum. Still can't believe it!

Hi I've had a reply to my LBA, from Brian Cooper, Member Relations Manager, Northampton, which states amongst other things: "We believe our charges are levied in anppropriate and transparent manner. Up to now we've already refunded £192.50, in January 2005, so I'm sorry to let you know that we can't agree to your request to repay any more." I'm furious with this response - the charges refunded were due to their cashiering error where they misallocated £300 cash that I'd paid into my account to avoid incurring charges! This was totally their error, so the charges were erroneous! Should I write again pointing this out, or go straight to the court action?

I sent my first letter on 11th April, and got my fob off reply yesterday. Pretty quick response from them with Easter in between! Doesn't take much to print and send a standard reply though! So, second letter will be let loose over the weekend. POST MOVED. PLS STAY ON THE ONE THREAD PER CLAIM, IT WILL MAKE LIFE EASIER FOR ALL, ICLUDING YOURSELF!!!

Ok, my 1st letter's on it's way today, £1,150 + £124.36 interest. And I've opened an account elsewhere in case they want to cause problems with my o/d!

They've not actually highlighted anything in the statements, or shown a particular intervention and charge, so I'll make the next move. Thanks for your help.

I've just received my duplicate statements from the Nationwide. I used the DPA disclosure letter requesting information on any manual interventions. I received a letter with the statements, saying "Over the course of the last six years, manual processes may have been applied to your account in order to ensure the smooth running of your facilities. If you have conducted any of the following activities, some degree of manual intervention will have been involved......" and they list 27 items (!) including "Set up/amendment/cancellation/return of Direct Debits and Standing Orders", "Cheque transactions, including returned cheques", "card transactions". This is obviously a very generalised statement and list of activities, but is it sufficient to counter any claim I make for a refund of their charges? Any advice would be very appreciated, as I'm a bit nervous about challenging them.