Brilliant Cheers Stevokenevo

quote "When you send off your prelim letter and L.B.A, send them asking for the full amount!!" Sorry, but still a little confused here stevokenevo.... When you say ask for the full amount, should that include the interest too? Many thanks Fireclown

Cheers stevokenevo! I have been procrastinating over this for too long now... but now thanks to your good self and Angeljen, Im confident that I know what Im doing now. Going to write me a letter and post it off today Will keep all informed as to the progress, and will hang about and try to help others that may be in the same position as me. Best Regards Fireclown

Cheers for the info Jen Im going to send off my letter today Fireclown

Thanks Angi , I've just started my own thread and will keep it updated with my progress. Also keen to help out in anyway for the cause. ...once i've got my footing Still busy reviewing all the faq's. Quite a lot of info to get through, but well worth the read Hoping to get the proverbial rolling tomorrow Best Regards

Actually.. in reply to myself, I've just found a whole load of Info on the Summary Cause procedure in the faq's but i'm still a little confused over the initial preliminary letter.... The template which I found includes... "What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter." ..... however, much of what I've read suggests that I should not include mention of the added 8% interest. Should I fill in the above blanks with the total amount of charges (£1,726 plus interest) or should I just tot up the earliest charges to a maximum limit of £1,500? Or should the figure be £1,500 plus interest? I'd be real grateful of any advice I can get. All the best

Hiya guys n gals First off, thanks to everyone who contributes to these forums. There seems to be a wealth of information to sift through, and its great to here that there's a lot of positive vibes about getting back whats rightfully yours. I'm just starting out here with all the procedures and am a little nervous to say the least. I have a couple of queries if someone could offer a little help. My total bank charges amount to £1,726 excl. interest and I understand that the Summary Cause route would allow me to claim up to £1,500. In my initial letter politely requesting that my bank charges be refunded, should I state that I am claiming for £1,726 or should I state that I am claiming £1500? If anyone could point me to some info on the Summary Cause action i'd be very grateful. Best Regards and luck to everyone out there, and i'll be listening out for all your stories Fireclown

Hi there guys... Yeah, Im a bit terrified too to be honest. Im just about to send off my first preliminary letter asking for my charges back (£1481). On one hand I'm annoyed at myself for being so bad with my finances, but also at the bank for taking full advantage of this. I'm a bit terrified at the mo of even making the first step, but its about high time to stand up to these organisations. Good luck to everyone who is in the same boat, I'll start a thread once I get the hang of these forum thingies Best Regards guys n gals