Greetings all, Apologies for not posting to keep this thread updated! Have finally taken the plunge and sent off three preliminary approaches for payment for each of the flex accounts. Letters were actually sent, by recorded delivery, on 13 December. So let battle commence…

Hi KC 31 & Milk Tray Man, Many thanks for your prompt responses! It good to know we are not alone in this process. To be honest I have never used a spreadsheet before - I'm just fumbling my way along! The sheet I used was in fact from Vampiress collection; England - Simple - Excel. Very simple even for me! http://www.cag-files.co.uk/barracad/Spreadsheets/England/Simple-charges-calc.xls Will be sending my initial approach for all three accounts in next few days – good fun eh

Greetings all, I have been inspired reading the threads for last few weeks and would like to say everyone seems really helpful & supportive. Following 3 S.A.R’s - (Subject Access Request) to Nationwide I am now in possession of statements for 3 Flex Accounts; my wife’s, our joint account and my own account. Using the magic spreadsheet I have put together the charges for all three and I’m about the send the prelim approach for payment letters. The reclaims for the individual accounts are pretty straightforward (£290.00 and £710.00). However, I’m struggling with the claim for our joint account as back in July 2006 (in the days before I discovered this amazing site) I telephoned Nationwide to complain bitterly about charges I had just discovered on our statement. They very kindly (!!!) agreed to refund the charges and having now carefully checked the statements they were indeed refunded for the July / August 2006 period. However, since then we have incurred further charges and I now want to claim for these and the charges prior to July 2006. When putting together the schedule & spreadsheet I have been extremely careful not to include the said charges already refunded. My concern is that Nationwide will say that as we have previously accepted a refund we have forfeited our right to any future claim. However in my defence, when I submit the schedule and spreadsheet, I can clearly demonstrate that I am not seeking to recover these costs. I appreciate I may have waffled in this thread but please forgive me as I’m a relative newbie! Any advice on this matter would be most welcome and much appreciated.

Greetings all, Having read and studied these boards over the past few weeks I now feel ready to begin to reclaim various charges accrued over the years from Ikano, MBNA, Egg, GE Money etc. My question is what consequences will this have for any existing agreements? Will these bandits throw their toys out of the pram & cancel accounts demanding immediate repayment? Apologies in advance as I’m sure there are an answer on here somewhere but I’ve searched the threads high and low without success! Thanks