When do I choose to take them on at my local branch? I asked if this was ok to do as in, I haven't done anything yet.... it's where my account is based so I'd like to know if a court would frown on me pursuing this locally (is this really "appalling"?). My first claim I took to Customer Relations, but seeing as this is my second I thought a bank manager would see sense and save everyone time, money and hassle by just paying up.

Thanks, though I'm going to write to the manager 'informally' first if only to get an apology for the treatment i received that day. The whole incident made me realise just how manufactured and inpersonal banking has become.

I have previously (thanks to this site) made a claim against Natwest and won.... In the last week 2 charges were applied to my account... So I went to my local NatWest branch, armed with all my letters, documents, court claims and of course settlement letter from my previous claim. I asked (politely but firmly) to be refunded immediately. In not doing so I argued to them they would lose money through court costs etc. No such luck - they weren't interested. I asked for this in writing. This request was declined. In fact, I was told the police would be called on me unless I left the branch. Do I start ANOTHER claim? Can I do it solely addressing all letters and MCOL to my branch (because I'm really angry with them) or do I have to go through the impersonal head office?

There was no form. Just a cheque and a letter. I've written them a reply saying I've accepted the cheque, I retain my right to tell who I like about the case (they can't make you not tell anyone - it's MY money and I'll shout from the roof tops that I got back from them if I feel like doing so!!) and that I will advise the court to stop proceedings once the money has cleared into my account.

I'VE WON!!!!! 7 Days after MCOL was acknowledged, the RBS litigation sent me cheque for everything on the condition I waive my right to tell people about my claim - I THINK NOT!!! Thanks to everyone behind this site - been a great help. Point me to where I add a donation and I'll throw you 5% of my claim (which isn't that much - probably why I got it so soon!).

I posted about this the other day as my claim too was acknowledged by group litigation. Reading around it seems (I presume) what we are claiming is less than the costs Cobbetts would charge for the case. Hopefully inhouse defense will also mean we get our money quicker - apparently group litigation don't usually deal with court issues... i.e. I infer that to ultimately mean Natwest have no interest from the start in taking our cases to court.

Flippin' ek - i wish people would get off their 'look at me being cutting' puerile horses and try read things both properly and in context. Incidentally, Royal Mail return mail for free if it is undeliverable. If Orange informed you automatically that text messages are undeliverable I'd have no qualm here. Fact is they don't - you have to switch on delivery reports for the luxury of this service. I was put on to new "better" tariff after threatening to leave Orange. I did not incur any new charges for itemised billing nor delivery reports in the 1st month. Second month and onwards I've been charged for delivery reports. This to me is not on and must breach their side of the contract somewhere. I don't think it's any coincidence that the timing of delivery report charges comes in alongside their new parent company Wanadoo - who have massive debts to pay off.

Can you link me to a site that confirms this for me? Sorry I'm not convinced any other operators charge for delivery reports and Orange charging you 10p?? Where's that come from? Orange used to be free - I should know, I've been a customer since 2000. Orange have never charged for delivery reports before. Why some customers are now being charged and others not is a mystery (read the comments at the bottom of this page Weblog - Money - Times Online: New Orange charges: fair or foul? ) Also the service should be free. Why should I not be entitled for free to know whether or not a message gets delivered? I'm paying for a service and I should be entitled to know whether or not that service is correctly implemented. The actual cost of informing me is probably 100 times less than the 1p they want to charge anyway.

thanks for replying so prompt! I'm not particularly worried about my claim or who acknowledges it - though I would find it encouraging in terms of time to me receiving all my money back if NatWest wanted to defend it inhouse themselves.... role on the cpr part 18, I'm simply gagging to tell them I don't have to fill it.

I received my claim acknowledgement from the court today. On the address for which documents must be sent i.e. the defendent, it gives 'group litigation' under a City of London address. I was under the impression that I'd get Cobbetts like everyonne else? However my claim is under £500 so maybe they've seen sense to defend it in house.

I'm not sure you know what I'm talking about. No other network charges for delivery reports to the best of my knowledge. If orange have been charging you 10p for them, then you're being ripped off BIG TIME!

Orange have been charging for delivery reports (1p per report) since July 2006. At no point did orange inform me (or any other customers I imagine) that this would happen and I only noticed it after agreeing to renew my contract and looked at my bills. Nowhere in the T&Cs of Orange's contracts does it say it charges for delivery reports. Can I get out my contract charge free on the basis they have broken their agreement to inform me of new charges?

Claim acknowledged by Natwest on the 31/10/2006. 28 days to file a defense...

Some Staff at call centres seem to be quite sympathetic and supportive with regard to charges. One Natwest Credit Card staff told me 'it's totally disproportionate to the cost you incur to us - if you want to persue legal action then I encourage you to do so, you'll win, there's no doubt about that.'

have a look here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html