Well, after sending the template letter, around 10 days later I have now recieved this letter back from NatWest:
"Thank you for taking the time to write to the Banks Customer Relations Unit.
I know from the content of your letter that you are unhappy about the charges debited to your account and I am sorry to learn of your disappointment with our service to date. Our aim now is to put things right for you.
To make sure that we fully address your concerns, I have requested background information from the area involved. As soon as we have this to hand, one of our Customer Relations Advisers will contact you. We will be in touch with you by 16 March 2006 at the latest to update you on our progress and, if necessary, obtain further details of your complaint.
In the meantime I enclose for your information a leaflet that explains how we deal with complaints at NatWest.
Yours Sincerely
Noreen King
Customer Relations"
Has anybody else recieved this before, do you know if it is a good or bad sign?
