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yes shabbey have been charging me every month at least £120 a month in charges and yes hav had enough, i have cancelld all direct debits and just pay when bills are due now ,rather just pay the 2 to 3 pound charge instead off the £35 pound charge and other charges for going overdrawn,due to shabbey.i sent my SAR on the 03/03/2007 by 1st class post should off done recorded delivery but future letters will be .consumer action group site has been very usefull with so much great infomation .and has anyone any info on aol, they hav been taking out £15.99 a month out off my account for a service i dont have or use, i hav fax them 6 copies of statements going back to august 2005 yep 2005 . aol hav no record off account

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Hi, welcome. Just read up FAQs and step-by-step guide, and read threads, and you'll be fine. As for AOL, if they do not provide a service to you cancel the Direct Debit authority and send them adapted Prelim/LBA/N1 letters until they cough up. Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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