Thank you for your very fast replies!

Does it make any difference which county court I file the claim in? We live on the border of two counties, our legal address is Wilts but our postal address is Hants, so we could file it in either Salisbury or Basingstoke.

Thank you! I was just reading your Getting MCOL Right thread, so will do as you suggest once I have figured out where our local court is!

Well, no reply to the LBA and their 14 days elapsed on Monday 12/3 so have waited a little longer 'just in case'! However, we now need to file the MCOL, but I am unsure whether having claimed contractual interest from the start, if I also add S.69 to the claim also. I seem to recall reading some time ago, that we can claim either contractual or S.69 but not both. Would someone please clarify, before I start completing the claim? Thanks in advance!

If you click the link just above this thread called Consumer Action Group, then click the thread entitled Bank Templates Library, you will then find a template of the letter that you need to send in order to get your statements. To get back here, click the Consumer Action Group link again, then scroll down until you see the Nat West forum, click that link and then you arrive back here.

I adapted the one on this site to include CI, this is the wording I sent. I have just received an offer of the charges only with no interest, so I would imagine the same will happen to you to. I am sending off another letter on Monday, which you will see if you look on my thread, in case that is also of use to you in a week or two: 8 February 2007 NatWest Customer Relations Freepost NAT12685 Borehamwood Hertfordshire WD6 1BR Dear Sirs (edit) please do not post our templates on the main forum , you may of course post a link to them in the libary

If you are using excel, assuming the spreadsheet is protected, unprotect it, then copy the formula from one of the cells that is working properly and paste it into the cells where it isn't calculating. You can paste it into multiple cells by highlighting the batch from 118-146.

Will do as you suggested - thank you!

Yes, I wasn't sure whether to make all of the letter without prejudice, or just the paragraph relating to our proposed settlement. I noticed that on MSE Martin made one paragraph without prejudice when negotiating a settlement, and on here bicester1 made his full letter without prejudice.

A slight change of tactic, as we have decided to try to negotiate a lower settlement at this point, so have compiled the following letter - would be grateful for any thoughts on this: 26 February 2007 Without Prejudice Stuart Higley Customer Relations Nat West Bank Ground Floor National Westminster House 225 Shenley Road Borehamwood Hertfordshire WD6 1TE Dear Mr Higley Request for repayment of charges Account number: xxxxxxx Thank you for your letter dated 15 February which I received on 24 February. I am pleased that you have entered into negotiations regarding the repayment of the unfair charges and interest levied from account from the period 12/11/01 to 1/2/07. I am aware that you have already settled very many of these claims in full and undefended, including contractual interest at your unauthorised overdraft rate of 29.6%. In order to settle this matter speedily and without the need for you to incur costs by instructing your solicitors to handle potential court proceedings, I am willing to accept a lesser settlement of £2805.98, as shown on the enclosed schedule of charges version 2, in full and final settlement of my claim and interest. This figure is based on your authorised overdraft rate of 17.8%. I am sure you will agree that this would be a mutually acceptable settlement, without the need to protract matters unduly. Please reply within 14 days unconditionally accepting my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall issue court proceedings to recover the full amount plus interest at 29.6% as per the original schedule of charges in my letter dated 8 February, however, I sincerely hope that this will not be necessary. Yours sincerely

Thank you, having thought about it overnight, those were my final thoughts too. However, it is great to get those thoughts reinforced. I will compile the letter today ready to send off tomorrow by Recorded Delivery.

Thank you - we are also of the opinion that there is further negotiating to do so are prepared to go all the way if necessary. However, that aside, I still am not sure whether I combine the partial settlement acceptance with the LBA on Monday, when I would have been issuing the LBA if the offer letter hadn't arrived today, or whether I again ask for the full amount and give another 7/14 days for them to reconsider before sending the LBA.

Bf has received a letter from 'Ming' today although it was dated 15th February, offering him a full and final settlement of £953, which is his charges only without interest. We are inclined to accept this as a partial settlement and pursue the remainder. However, we were due to send the LBA on Monday 26/2, so although I have spent several hours reading other threads this morning, I cannot see if we should give them another 7/14 days to settle in full, or whether we go for a combination of a partial settlement letter and an LBA or if there is another option? Some guidance would be very much appreciated, if possible.

Just posting to say I am sending off a letter to Borehamwood today by recorded delivery which I have prepared for my bf. He has kept all his statements, so we were fortunate in that respect. He is claiming £4060.67 which includes contractual interest at 29.6%, and I have used Mindzai's fabulous spreadsheet to work that out for me! I will update this post when we have received a response. This is a brilliant site, there is so much to read, and so many positive stories, and I hope we will be one of those too. 'When' we win, I will make sure that my bf makes a donation.