Go to
THIS forum - sign up (same as any other forum, no charges or anything)
You will then have access to the letter templates (sticky threads in that forum)
Then read the
FAQs
Then go
HERE and pick your bank and see how others are getting on against them
IIRC process in summary
1. The letter to request your statements for last 6 years under DP act - they have quite a long time to respond to that but most seem quite quick - max £10 charge for this
2. Wait for statments, calc what you've paid and are owed
3. Letter giving them 14 days to refund your charges
4. Letter Threating to sue them for the money giving them 14 days to give to refund your charges
5. Letter 'Before Action' threatenng to take them to court - again 14 days notice
6. Create a court action/case online at
MoneyclaimOnline, again this gives them some notice period - you have to pay charges up front, but would be claiming those back too + 8% interest on the amount owing to you (spread sheet for calculating interest
HERE)
I didn't do step 1 since, no charges before, so went straight to no .3
Never heard from them once in the entire process, untl the funds appeared in my account + letter next day after step 6