Thanks Lucy, I think that can go in to the mix! I've got a few days to wait, but I'll get copying and pasting.

Thank's fot the encouragement! I've got a stock reponse now from the branch Service Manager and the Area Manager. So it's time for the LBA, right? Bits of the one in the library seem not to be 100% relevant to my case, which I can change. The other thing that bothered me was that it seems very repetitive of my first letter. Is this normal and acceptable in legal speak? - I usually like to be a bit more creative! My other query is regarding the timescale. Should I allow them the full 14 days that I stated in my prelim letter before sending the LBA, or go ahead and issue their 'further' 14 days now, by sending the LBA? Thanks again, Tim

Hi John, ...and thanks for your input. The missing period is when I had some money. And at the time it was a Route21 account for young people or something - which I'm pretty sure has no monthly fees. Though the last one of those was after I was 21 and presumably had a different account. (I have no idea what it is now) It's in the post now anyway, so in the worst case they'll write back and tell me to sod off!

Cheers! Pretty rapid responses here.. Printed and almost in the post. Do I give them 14 days from the date of my letter, or give them an extra day for it to get to their intray? After I've run through this with my own bank, I've got bigger fish to fry. My brother and sister have both had much more skint, much more prolonged periods where they've been charged these nasty sums. Checked my brother's internet banking which shows that he's been charged about 500 quid in the last 6 months! So hopefully I'll be pretty clued up and offering some advice here when I'm done! Thanks again, Tim

Hi all, I've been lurking around this forum on and off for months now, and thought I'd get my lazy arse in gear and get my money back. I hope I've not missed the boat on an easy ride. (It's only a few quid, so shouldn't be too tricky, I hope.) I've requested and got my statements back and looked through them. I'm just preparing - physically and mentally - to send the prelim letter. I've searched the forum a bit though, and I'm still a bit confused as to what a couple of my charges are and whether I can claim them all back or not. Here's a breakdown of what I've been charged: Can some kindly soul tell me what the 10 quid ones are and if I can have them back? There's 20 pints there! I'll keep you updated. Thanks, Tim