I never thought in a million years I'd be writing my first post saying that Natwest had just paid up - but today, unbelievably they have!! I'd followed the advice on Martins site to the latter, used his templates, setup an alternative bank etc. I'd registered with MCOL and was all set to submit my claim on Monday. They sent me a letter today, Saturday, saying they they will settle my claim in full - £2,198 in total. I'd like to thank the contributors to this site and Martins site for their concise and thorough advice and would encourage anyone thinking of claiming to go for it - especially with a possible change looming in April. Cheers.