How can I get a copy of Nat West's terms and conditions? I've tried searching the Nat West Web site and encountered 'this page is not available' messages. Is this part of Nat West's tactics to ensure claims fall on the grounds established by the Birmingham ruling?

Just as a general comment: while I appaud the cause and value of this site, I find it difficult to use. I never seem to be able to find the same thread twice and have no idea of how to recieve a response to a posting - how to navigate the site, what time scales are involved, who I should be addressing, are alerts available and so on. Is there any helpful user guide information I can refer to? Thanks

I have a Notice of Allocation to the Small Claims Track (Hearing) set for 19 June 2007 re my claim against Nat West. Cobbetts seem adamant about defending it. Today I read that a district judge in Birmingham, deciding in a case involving Lloyds TSB and a customer, ruled that the bank's charges are fair and legal. Does anyone have any thoughts about how this ruling is likely to affect my case - and those pending for all other claimants against unfair bank chargers? The banks are powerful institutions and, having expeienced Cobbett's intimidation techniques, I'm quite ready to believe that the banks are capable of using their might to 'bend' the law to protect their interests. Has there been any investigation into the motives of District Judge Cook?