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help benn going on since feb

hello all can some kind person please help me I went to a company back in Feb to get my bank charges back I'm with the hbos and now they say there having o take them to court as they haven't replied after they got the declined letter i don't know what to do as i have paid a lot back and would really like to get something back just fell this company get back bank charges are giving me the rum around any suggestions
thanks
caroline
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