I think you do. If its 8% stat you cant claim that prior to court. So you have to accept the offer. However, if its contractual then you dont have to accept the offer and you can continue onward and file at court unless they offer the contractual. At the end of the day its up to you what do to. But if its the 8% then you definitely cant claim this if they have offered full charges back alone. You have to accept. Best of luck. If you can find your letter and how you calculated your sheet to start with then post back and we can help further. Fendy xxx

Trouble is with Nutty West, you never quite know whether to believe anything they tell you or not. Its just the way they are, sometimes they do tell the truth, and sometimes they tell blatant lies.............. its kind of being super sleuthy and working out the truth from the lies. V.V. difficult. And sometimes they even go back on stuff they have said, like........ Oooooh yes, we agree to settle at XXXXX amount, send you a letter, then withdraw it. Yup, that really does happen. xxx

Yee gads Hedge,,,,,,,,,,,, Kevin costner, to do.................... Eughghghg, hes been around a bit (thats KC, not Steven of course), Lol Lol. Im so PMSL tonight...........

Cobblers........................ Natwest.................... N1 MCOL. Hello Tempty. Nice to see you round these parts. Lol xx

Oh heck, Hedgeys digressing again, Lol Lol Lol. Bignobby, you will kick Natwests big bottom with our help. xxx

As Hedge says, losing is really not an option. There are enough of us here to help you through to a sure win. Its what we do best, helping get back what is yours that should never have been taken in the first place. Dont lost inspiration, we all think at time that we are THE ONE for which things will fall differently, and believe me, there are a few pot holes in the road along the way, been there, done that................. but ultimately you will win. Just look at the thousands that have, and with style too. Lol Lol. KEEP THE FAITH, and thats all you need. Fendy xxxx

Sorry, Im trying to understand what kind of interest you applied to the total claim. If it was the S.69 stat interest that only courts can award, then really you have to accept the offer because at prelim stage and LBA you cant claim the 8%, only refund of the whole charges alone. If it was contractual interest, i.e. interest billed to them at the same rate you would have been charged by them over that period of time for going over your overdraft limit, i.e. roughly 29.5% ish, then thats ok, you can still start claim at court for that, but you need to be sure of what sort of interest it is you actually applied. How did you calculate it, that might be a better way of us finding out what sort of interest is was ???

If you end up filing at court a rough timetable from starting claim to payout is usually anything from 3-6 months. So not a speedy resolution, but you will get a resolution nonetheless, for the full amount if you file at court. All the best............... Fendy xxx

Aaaaaw Hedge is back on form............. Lol xxx

Oooooo even the mother superior, lol lol. I dunno, all them nuns with bad habits,,,,,,,,............ PMSL at you hun. xx

When you say interest, what sort of interest did you claim. Was it contractual, or interest for going over your overdraft interest ? or something else. ?? Fendy xx

Definitely in the best place. And welcome................ we will ensure you get your charges back. Just post any questions you have and theres always somebody around to help with each step as it happens. Best of luck. Fendy xxx Below is always a good place to start. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Yeah Cobbetts, Natwest, Claim. Is Steven really double lookalike stand in for super star celeb in real life then, do ya think, lol xx He could make a few spondoolies from that one.

Tiar Fruck, whose he ??? Anyway Hedge, monks dont drink, Lol Lol Lol xxxx Unless Salford monks do. xxx

Lol................ I think Im probs abusing my thread again. Lol Lol. NVM, in good mood........... what the heck. xxx

Stick with the programme and you wont go far wrong. Fendy xxxx

Yeah, whats with the robin hood gilet thingy...................??? He looks like hes lost in Sherwood forest somewhere........ asking for directions.

Na, he looks like a young Tony Hadley from what I can see. !!! what were you doing with your hand. Directing traffic ???

So, so far, its 11th or 18th August. Anymore anybody. Can anybody else make those dates, PICK BEST ONE WHEN MOST CAN MAKE IT. PEEPS ???

Uber, lol lol. I think I heard that word somewhere before, Lol xx

Oh, so that really is your photo then, lol lol. I thoght it was nicked from some avatar webby. Lol Lol.xx OK whose fessing first.......... I think we all know already dont we ???

Mr. Browne,,,,,,,,,,,,,,,,,,,, how uber gorgeous are you ?????? thank you, thank you, thank you................... Hedgey had the right case, but was still looking for the full transcript, or similar,. thank you. I do get the impression you are my very own little guardian angel. Thank You. xxxx

I dunna understand yeees................. youre all foreign to me.................lol x

Lol Lol Lol xx

and go ferreting,,,,,,,,, lol xx