8 weeks agoe, i sent off letter number 1 requesting all my statements from 2000 to 2006. They promptly sent them to me. 2 weeks ago, I sent a letter off to my local royal bank branch requesting £4,800 which had been applied to my account. I advised them that if they settled now, I would not pursue interest charges. The above charges were applied to my account over the last 6 years, whilst we were impossibly trying to live off one wage. The bank caused my near demise and also vast mental pressure, stopped me wanting to sleep and tape up th eletter box. This morning I have received a letter from the bank advising that although they believe their charges are fair, as a gesture of goodwill, they will pay the full amount of £4,800. I feel so happy. I want to thank this website, martins money saving expert and all you people out there who have helped me with your kind advice aiding me and probably thousands of others, in the stance against a banking attitude that is crippling people normal folk on average incomes. If I can help anyone at all, please mail me @ [email protected] or [email protected]. Please use the templates provided on this site AND DO IT.. do not put it off until tomorrow.

8 weeks agoe, i sent off letter number 1 requesting all my statements from 2000 to 2006. They promptly sent them to me. 2 weeks ago, I sent a letter off to my local royal bank branch requesting £4,800 which had been applied to my account. I advised them that if they settled now, I would not pursue interest charges. The above charges were applied to my account over the last 6 years, whilst we were impossibly trying to live off one wage. The bank caused my near demise and also vast mental pressure, stopped me wanting to sleep and tape up th eletter box. This morning I have received a letter from the bank advising that although they believe their charges are fair, as a gesture of goodwill, they will pay the full amount of £4,800. I feel so happy. I want to thank this website, martins money saving expert and all you people out there who have helped me with your kind advice aiding me and probably thousands of others, in the stance against a banking attitude that is crippling people normal folk on average incomes. If I can help anyone at all, please PM me Please use the templates provided on this site AND DO IT.. do not put it off until tomorrow.

Willow - DPA is the data protection act. Look on the forums and spend half hour reading.. all will become clear..any questions, just ask. Cheers, Paul

There is a library of letter which you can use Bank templates library:- http://www.consumeractiongroup.co.uk/forum/ You will need to register first though. I started with letter 1, which is a 'Data Protection Act Disclosure Request', asking your bank to provide a complete list of failed direct debit charges. (upto 6 years ago). They have 40 days to fulfill the request. This will cost you a tenner. I was apprehensive at first, but the forum has given me bravado.. so im delivering my letter tonight... Good luck dude

As far as letter number 1 advises, the bank has 40 days in which to comply. Dont worry too much about the charges, your in the same boat as me.. just hold onto them and add them to the rest of the charges that they will send you. Have a really good read of the forums. YOU ARE NOT ALONE DUDE. Paul