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Following advice from various forums, I have now joined the ranks of all you claimants who are waging the long hard battle against the vultures and am hoping for some guidance.


I am at the stage ready to submit a LBA. The initial letter was based upon the premise that I had been operating a Business Account and the appropriate letter was submitted.


As I expected, the usual response was received from YB refusing and quoting the Terms and Conditions, from which has arisen my first problem which I hope someone can advice.


During the period during which the account was operating, all correspondence re the account was addressed to me by name although the name printed on the cheques was the Company name. On each monthly statement, charges were levied as Bank Charges, the amount variable according to the number of transactions applicable during the month, normal Business account practice as I assumed. These charges are NOT subject to my claim as I assume they were legitimate charges.


HOWEVER, the copy of the aforesaid conditions provided by YB state


(1) Free banking is available while your account remains in credit or within an agreed overdraft limit.


If these are the correct terms submitted by YB does this mean that the account is being treated as personal rather than business and I have submitted an incorrect initial letter and what effect will this have?


Also surely it would mean that they have breached this condition and should be liable to refund these non-overdraft monthly fees paid during the past 6 years, a sum far higher the the amount of my claim for penalty charges.


Advice desperately needed before I proceed

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