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thanks very much jay, i'll try it with the nat west thanks again

Thanks so much for that. Is there a standard SAR that I can copy? Or what do you suggest I write. thanks again

Hi, my husband left Barclays seven years ago and we moved house two years ago and cleaned out all of the rubbish - which included everything to do with Barclays. We left Barclays because of the penalties they were taking from us. Husband has now approached them for the last six years statements and they say that our account number has dropped off of their system and they have no way of tracing it. Has anybody else had this reply from the bank - can it be true? Or is there anything else we can do to trace the number?

Hi Lynne Please try to keep it under 5k. If it goes over they are likely to go to court. I believe the small claims court will only take the cases under 5k. I didn't claim the interest because it took me over. My claim is now finished and NatWest have paid up, including the £150 which were court fees. Good luck

Just to let you know that I received a cheque from Cobbetts this morning and they have paid in full. People it DOES work - keep at it - they won't take you to court because its cheaper to pay you out. Thank you to everybody who helped me and I will make a donation today.:grin:

Before I had a chance to post the letter to their solicitors refusing their offer, I have received a letter with a Notice of Transfer of Proceedings and a notice of their Defence in which the first para reads: This Defence is filed and served without prejudice to the Defendant's case that the Particulars of Claim do not disclose reasonable grounds for bringing a claim against the Claimant to recover the bank charges (and interest thereon) referred to in the Particulars of Claim or any other sum(s). In the event that the Claimant does not properlyu particularise his claim then the Defendant will apply to strike out the claim and/or for summary judgment in respect of same. They are also asking for the account number (which I'm sure they have) and each and every charge which has been applied to the accounts giving details etc etc. All facts and matters relied upon by the claimant in contending that the charges identified in response to 2.21 and 2.2.2 above were unenforceable or that the Defendant was not entitled to make such charges. and it goes on and on.... and its been signed by the defendants solicitors (Cobbett). Also I have a Request for further Information and Clarification - NOTE IMPORTANT.... no 1. states "This request is served pursuant to CPR Part 18. I am asked to provide a response to this request in accordance with CPR Part 18 by 9 June 2006. It goes on to state that if I'm not able to provide adequate responses I should contact the solicitors and tell them when I will be able to provide a response. Can anyone help on this please. Many thanks

Hey Mountain - wish you lots and lots of luck - i'm rejecting too - and am sending the letter tomorrow unless anyone else advises otherwise.

Thanks so much Jpet and Mountain for your kind replies. Can I ignore the solicitors letter and just wait for the questionnaire from the court, then send a copy of the questionnaire to the bank after I have filled it in. Mountain - what happened to you, did you go to court in the end or did you accept the offer? Or shall I send Jpet's letter --------- ooooooh I'm so confused now. I'm off this weekend and would like to settle this today before I go - can someone please advise again. Thank you, thank you, thank you

Thanks Jpet77 - we have no date for the hearing as yet - but the defence is three and a half pages long asking questions etc. Is there anybody who has actually taken NatWest to court and won? Or maybe it doesn't go that far and they settle beforehand? Should i state to their solicitor - without answering the questions in their defence - that I will drop the case for a full refund plus costs and nothing more. After reading their defence (and not understanding a lot of it) i'm feeling quite bamboozled. They are giving me till the 9th June to reply to their questions. Thanks all for help and back-up

Thanks dgf1973 and barracad for your support. Can anyone help with wording a letter to NatWests Solicitors accepting their offer as an interim payment and still saying that I will continue with my case. many thanks to everybody:)

I've started proceedings against NatWest and have now had an offer through their solicitors for £2,200. My original claim was for just under £5,000. Do I now hold out for the full amount because, as I see it, they have now admitted liability by offering money to me. Would it be a risk going in to court now? Could I possibly lose the money offered to me? Deal or No Deal????

Hi Seminole Thank you so much for your reply. I really hope it doesn't end up in court - but if it does we'll have to face it. I am really reassured by all of your help and just to know there is someone willing to be of assistance to us stops us worrying just that little bit more. regards,

Hi, They have taken £3,145 out of our account plus £1,293 interest. Totalling £4,438.

Thanks Guy, I'll do that.