Jeez.. you guys are good... a reply in the time it took me to make a cup of coffee.. I'll send rejection letter in mentioning LBA and let you know how i get on. Cheers again. Help very appreciated.

Hi Folks, Well thanks to all the advice and info on this site I'm as far as being made an offer of £680 (made up ofcharges from two accounts). I sent an LBA the day before receiving this letter, as it had taken them so long to get back to me re my initial claim for refund of charges. In the letter Christina Hart (no relation to Jennifer and Johnathon Hart for those of you who may remember that...) states that the money will be debited to my account in 14 days if i don't get in touch to say otherwise. Suggesting i call her on the number provided ( on this.. why is it a Dunfermline Address to reply to but a west yorkshire phone number). Just need clarification on what to os appropriate to do know.. Do i call this number and talk to her, where I can get twisted round to the 'Corporate' way the bank want me to think and get me embroiled in a conversation I don't want to have, or do i just write? Or do i call and write.. Will my LBA still stand and will they ignor the offer made prior or do i still have to clarify that i don't wish to accept the £680?? Anyway.. Here's hoping I get my 1400 quid ond not the offer made of 680 and i hope that the bank person employed to log onto this site to snoop about (if there is such a person - call me cynical..) sees this and nidges them in my favour.. Cheers & Thanks. Johnathon Tarquin Hart (no relation to.. oh you get the idea..lol)..

I;ve just noticed that at the end of the letter I spoke about above... Below the guys title Mathew Baxendale, Customer Relations Officer... Its got Enc. Personal Customer Complaints - Here's what we'll do What the hell does that mean.. It's in black and white.. should i go round there all guns blazing (metaphorically - in case the police are reading..) I'd love to know what it is they intend to do...

Hey folks, Cheers for the reply, and reassuring me that i can amend and update my list of charges due to new statements being issued. New list and letter have been done. Just to send. One thing i would like to clear up though... I sent my previous letters to the B.O.S Customer Relations place in Dunfermline. Will it be ok if i now change to sending them to the Halifax address you mention?? Does it matter that I stay in Glasgow? I;m thinking that i'd have to deal with an address north of the border... . Cheers again for the help. Brian

My first post and shame on me for taking so long to do so... I've been in touch with BOS re my statements (which i thought had all been included and sent..) and i got my letter sent off detailing all my charges and dates etc for both accounts with them I got a reply re the charges, but also another few pages of statements I never had before. Can I re submit my letter asking for my now updated charges from the new statements?? The letter i received re my first letter asking for charges back seems like a standard response.... We are sorry to learn that you are unhappy with the charges debited to your bank account. Please note that the complaint handling rules set by our regulator, the FSA, gives us 8 weeks to investigate and respond to complaints... blah blah.. if we are unable to respond fully to your concerns we will write within the next 4 weeks to update you... more blah blah.. please find enclosed a copy of our leaflet which tells you how we will handle your complaint... Yours Mathew Baxendale (Customer Relations Officer - Dunfermiline) Is this them stalling for time? If I do respond with a new letter detailing my charges with all the new ones (including interest this time i think), will i just receive the same letter? And do I have to wait out the 8 weeks, or can i got right in with an LBA? One other thing.. Should i always be using the Customer Relations Dept in Dunfermline?? Thanks in advance...