thanks welshman its just been printed and it will be in the postbox tonight xxx;)

Hi, I hope some of you may be able to help me, I have followed this site for a couple of months and finally got the courage to start my claim last month. I am claiming £1,160.00 in charges (+£306.00 8%interest to date) I am not claiming for the interest charged on the excess borrowing as I felt this was enough to pay their costs. I was also paying a account charge every month to have the account. I sent the data protection letter, received my statements in 9 days and they sent the £10 check back, which was nice of them. However the statements I had back were a nightmare to read as they were all in tiny text. I calculated the charges over a weekend using the english simple calculation spreadsheet. Then sent the preliminary letter for repayment for the total of charges not including the interest on the 29/10/06. I have just received the reply and it seems to be a real stalling letter, I was hoping that some of you may have had the same reply? and should I stick to my time table as set out in the letters? Here is the reply in full- This is a stall right? they should be able to deal with it faster than that! shouldnt they? should I now send the letter before action I would be very grateful for any help from anyone who has the same experience cheers pixi xxx;)