Ah, thanks orfoster. Missed that template the first time around. Their 2 weeks actually runs out Monday, so I will give them the weekend as I'm sure they work over it! Yeh, right!

Well, it's been almost two weeks now and no reply from shAbbey. I can't say that I am surprised at all, as from reading the posts on these forums the banks like to ignore any letter that doesn't show them in a saintly light! Normally, in this situation, I mail them a second letter asking for a response and including a copy of the original letter. Does anyone think that this is wise, or is it just buying them more time to reply? If I do send the letter again, then I will continue with the recommended process as from the date sent. Thanks. Avi

Hello all, I'm here for the same reason you are; to claw my money back from Captial One! The problem is the same as some of the others that I have read on the forums; my job changed, I was earning less money and couldn't make the payments, due to ridiculously high purchase interest they applied. Then the charges mounted up with Late Payment Fees and subsequent Overlimit (is that even a proper word?) Fees causing my minimum payment each month to be around £2 less than the charges for that month! A devious [problem] if ever there was one. What annoys me about Cap One more than anything is that some of the charges that I have already paid off were caused by them taking over 2 months to be able to change my payment from manual to direct debit and charging me for missed payments in that period and on one case accidentally charging me a late payment fee, which they sheepishly apologised for and refunded! How can you put you financial faith in a company this incompetant? Anyway, rant over, written out my prelim request and will be posting it off tomorrow. It's only for £120 worth of charges, but would I give that kind of money away? No! I'll keep you posted on any progress. Avi

Hello all, I'm new to this site, but sadly not to the problem that causes us to visit this great forum and site. After reading through many of the posts regarding member's claims against Abbey the amount that I am asking for seems small in comparrison, but it is still my money and I want it back. Allow me to quickly break this down for you and inform you of the action that I have so far taken. After a few years of banking with Abbey and having no charges levied against my account I was shocked recently when I found that almost £200 had been taken from my account in "bank charges" without my being informed first! I noticed this first when I checked through my monthly statement for June 2006 and saw two charges for an overdraft that had not been authorised (£20) and five charges for clearing VISA payments and Direct Debits whilst overdrawn (£30 each). Totalling them up I realised that Abbey had taken from me £190, not including interest of £3.12, without informing me at all. At the time I was earning a meagre £161 per week, so this was a considerable amount to me. Of course I phoned them up to discuss this matter with them, somewhat angry, and was told that this was perfectly acceptable as I had violated my agreement with them and so on and so forth! I had been meaning to write a letter of complaint, but work and studies got in the way and I didn't get round to it. Finding this site and reading all your accounts has renewed my determination to not let Abbey get away with what I see as daylight robbery! I have just drawn up a schedule of charges and mailed it off with a request for repayment of charges, as helpfully shown in your library. I'll keep you informed of any progress made with the request, although judging by some of the posts, this may take a while. I will keep on at them, though. Well, that's it for now. Please post with any advice I may benefit from or if I have made any grave errors. Thanks.