hi Paul why ask for 6 years...........better to ask for all statements since the account was opened......................also as its only a request i dont think this is sufficient to get all your info as its not covered by the data protection act I would recomend any one to continue with the proven method (SAR) all account numbers can be retrieved from your local branch with proof of ID .....approx dates of opening & closing of account If u use the letter it has no time scales (they can repy if they want) all comments welcome Scott

1) Unarranged Borrowing in 2000 it was £14 which then increased to £20 from April 2003 and then £28 from September 2004 this should answer your question scott

Hope this helps Scott

All your answers are here thanks to nattie http://www.consumeractiongroup.co.uk/forum/natwest-bank/79547-natwest-charges-guide.html i think they r all charges which r reclaimable but check 1ST Scott

u need to use this spread sheet Download v1.9 Scott

good luck wendy we're hear to help if u need it Scott

YES you can Good luck Scott

Hi stratty youre 1st claim was 4 unlawful charges these are also unlawful charges So claim away go get your money back Scott

Go get your money .................... Good luck Scott

YES just be organised and keep the claims seperate Scott

hope this helps Just be patient Scott

wise words indeed bookworm definately follow his advice & congratulations Scott

if u suspect u have a default leave it in the letter A default will show on a credit search (experian Etc) good luck Scott

I would start asap cause they r only stalling. Scott

or pay it into this account then transfer it then close the account It is worth while reclaiming uve got nothing to lose but plenty to win Scott

Bloodster Yes u can claim them back

congratulations!!!!!

On another point, I'm a bit concerned about how the claim is ramping up when I use contractual interest rather than statutory 8%. When I've calculated the size of the claim including CI I'll post again and seek further advice as I would not wish to jeopardise the claim if the monetary figure seems too high as it's way beyond the six years statute of limitations are u saying that if the claim is to big they might not pay out??? Do u think they will risk disclosure of costs even if your case was for £500k.......i think not I would go for as much as u can as the claim size makes NO difference whether its £150 or £150k you are reclaiming your money and you are charging the bank the same rate that they were charging you.......................... Max the nat west claim Go 4 it, at the last resort you could accept the 8% but as u have seen there is ahuge difference in the payouts Scott

Hi Jenny follow Natties advice !!!!! Just wait & relax u only need to respond to info requested by the court don't let cobbetts intimidate u.............. if ure not sure on something post it up here & we'll have a look at it 4 U Good luck Scott

HEllo sharpie here iit is mate http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/49074-can-we-have-new-2.html Scott

Hi & welcome Yes u can claim all charges back Good luck Scott

dont worry about the confidentiality clause..... send back a letter telling them u accept the cheque but WILL NOT accept any clauses .......they are giving u back YOUR money which they STOLE from you......... they have a cheek.....Heres your money back but don't tell anyone!!!!! congratulations SCOTT

If u dont understand please tell me we WILL sort it out Scott

ppman You got it Just ring the court to confirm or pop it into the court and speak to them.....(they r really helpful) better to be 100% sure... Please check b4 u send in the post as u dont want to make a silly mistake as youre so close to getting your money back Be strong u will win Scott

hi Charlotte Its up to u i personally would sent them the LBA to show them that u are serious and u want your money back....... Good luck Scott