Hello All I have to admit that when I heard about all of this I didn;t think I would be the sort of person that would get anywhere with it. A proven history of not following these things through and a slack attenrtion to the details of anything remotely serious, which is probably why my charges for an account that has never really been short of money was over a grand. however FOR ALL NEWCOMERS ESPECIALLY THE LAZY ONES the guys that run this site have made it idiot proof and although this is my first thread (I think) there looks like there is a lot of support out there from other users. Reading through the site today I noticed one line which gave me confidence to carry on with the claim; it is not financially viable for a Barclays with it's team of massively expensive lawyers to defend themselves in a small claims court however if they were certain of their legal position and were guaranteed a win they surely would have done it by now to stop the snow ball affect of consumers finally realising they've been getting ripped off over the years. Even with a very basic knowledge of law and maths I would guess they would have deemed it finacially viable by now if it were not for the fact they are worried about the precedent set when they lose. Anyway enough waffle I hope I have inspired a few potential claimants to have a go (think of the beer money ) sent the intial letter asking for the statements it can be found in the templates section. Barclays sent me a letter back saying they didn;t want the tenner, THey said they would send the statements but if I wanted any other details then I would have to be more specific about what I wanted. I couldn;t be bothered to acknowledge that letter and the sent me the statements about a week later. NB I am fairly sure I sent that letter to Customer Relations Barclays Bank PLC 1 Churchill Place FREEPOST RTLA-CSUE-TCHC London E14 5HP But they responded from another address I went throigh the statements and worked out they had charged me over a grand however it is worth noting; back in the day when the people in your branch gave you the charges back because they were nice old ladies and they didn;t like the bank they worked for. you have to remember not to try to claim for them because presumably someone will notice and it isn;t going to have a positive affect on your claim if you claim for more than youi are entitled to. So i claimed for £992. £920 in charges an £72 in interest. This isn't the 8% interest this is the interest charged on the charge. also you are charged more in interest if you go over your limit. You probably could go into fine detail with this intrest as effectively you have been charged on that charge from the date of the charge to the present day. but I couldn;t be bothered so I think I did an interest charge of about £1.80 per charge as I knew this was well under the real figure so again I couldn't be accused of trying to claim more than I was owed. They sent me a letter back acknowledging the letter and giving themselves a month (even though i had only given them fourteen days) true to form I had no interest in argueing with them and a couple of days ago (within the month) they sent me a letter offering me £520 as full and final settlement. Reading through the site it says accept this but try to go for the rest so I am going to send them the letter below.As there is no template I am about to make this up so if any one does have a template I would interupt this thread and tell the general public what they should be writing!) Dear Thank you for your response to my letter sent xxxxxx and for your attention to my claim for a refund of the charges applied to accounts xxxxx over the last six years. Although I am grateful you have acknowledged my complaint and have resolved to making me an offer of £520 as full and final settlement. I will only accept it on the condition it is a partial settlement of my claim and on the understanding I will be persuing my claim for a full settlement of £992.12. A full scedule of these charges was sent with my original letter. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I will allow 7 days from receipt of this letter for the repayment of the £520 however still insist on repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice. Yours Faithfully as i have said all i have done is doctor one of the proffesional letters posted in the templates so if anyone has anything to say regarding it please let me know no doubt there are very few people still reading this thread so I will post it and wish you all the best of luck getting your money back Tom

natasha - don;t pay them £3 per statement. Send off the DPA letter requesting all the information they have on you. This includes your statements. They have to give them to you and can charge you a maximum of £10

does anyone know which online banks aren;t part of the barclays group or connected to Egg as these are the two I am requesting a refund from, and I need a back up account T

i'm not sure if this is helpful, please don't take my word as gospel but I have worked out my interest using this method. I phoned Barclays and asked them how much I am charged when I go into my unauthorised overdraft. They said 27.5% APR so I figure... on charges of £20 - 20x27.5/365 = 1.5068493 = one days interest for a £20 charge on charges of £25 - 35x27.5/365 = 1.8835616 = one days interst for a £25 charge etc £30 = 2.260274 £35 = 2.6369863 i figure that you could probably charge more. But I personally can't be bothered to try to equate the full figures. I have just asked for a refund of one days interest per charge. I know the figure is less than the full amount but it will be fairly close. CAUTION - I really don;t know enough about the claims to be offering advice the above equation is only useful for working out what £20 is as a daily APR fraction. Please wait for some who does know what they are talking about to confirm or reject what I have written T