Paul, will have a look again for you
When you claim the money back in the first instance you will get a standard letter from your bank informing you that you knew the charges when you took out the account so tough, if you don't like it contact the the banking ombudsman. :
Ignore it; and inform them you are now issuing court proceedings for the full amount plus interest, HOWEVER you will drop the interest charge if they settle payment within 14 days,
This seems to concentrate the mind as
they know
they will not go to court and to even begin to defend will cost them money.
On both occasions the money was re-imbursed within the time slot with some b**L *h*T letter attached about blabbing on about,, not accepting responsibilty, with out prejudice, if it went to court they would win blah blah blah its all crap, they ripped you off and they know it.
Davep; Threat about shutting your account is just that,a threat BUT if you are concerned, and I would advise any one going down this route to take note of this,,, open another account elsewhere first then get your money and transfer it in to your new account when it comes...Same goes with threat of overdraught removal.
The site below money saving expert has a template you can use from sending out the initial letter up to, going to court, its very good
Good luck every one and screw 'em its your money they have robbed.
