Hi People,
Received my statements for the past 6 years today

and had a great time looking through them and picking all of the charges out. I did notice that NatWest started to combine the Advantage Gold and the Unarranged Borrowing Fee (sneeky).
I have read the guide on the Advantage Gold but still non the wiser

.
I have the charges below
31/12/02 £20 (£14 UBF + £6 VG?)
31/08/04 £20 (£14 UBF + £6 VG?)
30/09/04 £20 (£14 UBF + £6 VG?)
29/10/04 £28 ???
30/11/04 £28 ???
I think that I am corect with the UBF Charge and VG for the £20's but not sure about the £28'S. Do you know if that was just an UBF of £28 (Looking at the guide that is posted, I would say so, but I need to be as sure as I can be) Or was it a mix of UBF and VG? We did cancle our VG subscription at some point but can't confirm when.
Thanks for your help