I would stick to your own deadlines. I have rang them on countless occassions to try and settle. I have tried reasoning and at one point i gave them an extra week.

Barclays have told me that they will not settle until a court date is set.

Thanks Hillards.

Today had standard letter back.... "I am sorry to learn you are unhappy with charges applied to your account".... blah blah blah...... 4 Weeks... blah.

Tomorrow is the deadline for the 14 days, so I will be posting an LBA.

Quick question. Should I address the letter to the person who has sent me this letter which is Joanne Carmichael at customer relations or just send to head office.. or even my branch?

Yes that's what i realised after finding this site only after I had already sent the letter.

I will send the LBA in 14 days then.

Thanks David

Good luck Russell. I have only just found out about this website and started my claims so I will follow you to see how you get on.

Smit

After watching "The Money Programme" on BBC2 I have decided to take action. I have always wanted to but never knew how to go about doing it or even if I could.

The money programme and this website have been amazing and I now know I can get back what is rightfully mine. I have 2 claims to do. One with Halifax which is the smaller of my 2 claims at £837 and one with Barclays for which I have no idea how much but it will be quite a bit more. I have today sent off to get all my statements from the last 6 years.

In my rush and before I had even found out about this website I followed the instructions on the money programme website BBC NEWS | Business | How to claim back penalty charges, highlighted charges on copies of my bank statement and sent them along with this form to my halifax branch.

Can some take a look at this form and just check it is ok

http://news.bbc.co.uk/1/shared/bsp/hi/pdfs/12_12_06_bank_14day.pdf

And i'll keep you all updated. Wish me luck

Smit