Hi ChippenDave
All standard so far I believe!!
As Mat and Al have said DONT PANIC!!!
Just take one step at a time and before you take that step ask on this site, there will always be someone to help.
Any questions or concerns that you have will undoubtedly have been asked before so dont be afraid to ask for yourself.
I would also advise you to read up constantly on this site, follow other peoples stories and even offer a little support yourself to others by posting replies - just like I am doing now my friend!!! - it sure does make me feel good that I am contributing in a little way.
Good Luck - will follow your progress.
__________________
NatWest
01-08-06 - Request for refund sent etc followed by all the other nonsense!! 18-10-06 - Settled in full - DONATION to site made
Woolwich
01/08/06 - Prelim letter sent 03/08/06 - Acknowledge letter received from Woolwich
18/08/06 - 2nd letter from Woolwich 21/08/06 - Acknowledge letter received from Barclays 13/09/06 - Offer letter received 19/09/06 - Confirmed I will settle at my amount sent
06/10/06 - No reply so LBA sent
02/11/06 - MCOL filed
21/11/06 - Acknowledged rec
05-12-06 - AQ rec & returned
23-03-07 - Court date!!
Capital One x2
16/11/06 - S.A.R Rec
Wifes Capital One x 2
18/11/06 - S.A.R Rec