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Stuck on what to do next can anyone help


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Can anyone help i've come stuck now.:???:

Sent 1st letter asking for refund of bank charges on 18th may 2007, I recieved a letter back today from them stating..........

 

That they have carried out an investigation of your complaint and I am satisfied that the charges have been correctly applied to youe account.

 

Then they go onto say that "When I opened the account I agreed to there terms and conditions which explained the charges would be applied if i did not keep to them"

 

And basically says they are declining my complaint.

Do I go straight ahead with the LBA now or still wait the 14days from when i sent the last letter. And also sorry would the wording have to be changed on the LBA as it states not getting any reply which i did get and what would you recommend changing it to.

Thankyou

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