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Been lurking & reading this threat for a while now and its inspired me to stand my ground with the West Bromwich, so I thought I would share my tale.

After Xmas (27th) my bank A&L bounced our mortgage DD to the West Brom citing insufficient funds, spoke to the A&L the same day and pointed out that funds were deposited on the same day as the DD went out. They saw the errors of their way and refunded us their "admin charge" of £34.

Then lo & behold the West Brom send a computer generated letter stinging us for £34 as a result of the DD being refused. The missus spoke to them and told them the tale but all we got back was ".....claim it back from your bank then if they have admitted it was their error...." - fantastic customer service.

So, sent the standard letter off to them about charges, I know it was only £34 but its the principle that counts. They replied back saying they would respond within 14 days and then yesterday, they wrote to say that the charge would be refunded but this does not admit liability etc......

So thanks to all for their inspiring stories, it urged me on...

Then I read in the Mail on Saturday (today) about the guy who won £3,400 from RBS, they did not contest it or pay up, so he got a court order to send the bailiffs in. They turned up at his local branch and started to seize equipment to the value, only when the branch manager promise to pay it did they relent.