I dont think i sent a second letter,, it is now some months on and I kind of forgot about this being happy that I at least got £500 back. I have recently been billed a £130 bank charge due to come out on the 11th of May. Is it too late to claim back the rest of my money along with the £130. I did not enter any further correspondence scince this refund of £500

I sent them this letter below on the 21st sept (std letter). Just before the 14 days were up I recieved about 500 pounds bank charges back. How do I go about claiming the rest? My request I am writing to ask you to refund to me the charges which you have levied from my account over the last six years. 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. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities 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 consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £ 942 plus an estimated £30 which you have charged me in overdraft interest for the sum which you have taken. Total £972 . I enclose a schedule of the charges which I am claiming with this letter Additionally if you have entered a default notice against my credit record. This default has occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

bump

Is this possible - I dont mean the charge for going overdrawn but the interest charged for the amount you are overdrawn. Say your normal rate of interest within your overdraught limit is 5% and you get charged 12% because you are over your limit - is it only the 7% extra you can ask back...? seems a bit complicated and time consuming to work out - especially if the amount is quite small

Thanks people, much appreciated

Hi, I have finally reciefed my microfiche reports of Abbey - some months after first subbmitting my request. Should I try to claim six years charges from TODAY or from when I made the request. Thanks in advance

Read the DailyMail today page 45 It says that all court cases are being put on ice and being chucked out because someone has gone to a higher court and this will set a precident...does this mean we'll have to wait even longer