Note  these they are availible online for free!,i know this is being sold by some at listing cost, which is fine we are all trying to get by, and it means you do little footwork, however for some of your own time and input you can obtain it for free  : check out the MSE martin lewis money expert site he is an incredible man who offers FREE advise on his site about everything!!!

for the 1000000,s of us who are not aware we are being unlawfully charged by our banks who have no justified right to charge £35. for returned cheque or unpaid DD we can act and get them returned but it has to be done through proper channels and correct lawful maner

pleae note i say unlawfully not illegally but the banks are catching on i know some people are selling this information but i must point out that those who are struggling financially can obtain this information for free  and can also obtain the correct templates for letter writing too!

insert this into your web browser after money saving expert

/cgi-bin/viewnews.cgi?newsid1141050760,24632#step

hope this helps