Hi and welcome
Firstly it is worth looking at the section called -> Faq's (http://www.penaltychargesforum.co.uk/forumdisplay.php?f=199)
There is also a -> Step-by-Step Guide (http://www.penaltychargesforum.co.uk/showthread.php?t=20553)
You can create a new thread in the relevant section in the forum for your bank called <You> v <bank>. Keeping this up to date will help us to advise you along the way.
You will find that other members will also contribute to your thread with their own experiences.
If you have any questions, no matter how silly you may think they are, please ask.
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