Probably doing this all wrong so apologies. just wanted to update you on exciting news received this morning. had no response from Natwest to previous 2 letters so were just going to file claim, when this morning receive a letter stating that they are going to pay all charges £13,958.00 directly to account !!!! Hurrah, without threat of court action !!!! :p :) Good luck to all of you starting down this path, just goes to show the banks are now running scared....

Sent prelim to local branch, special delivery , can't say they didn't get it!!

Thanks for the encouragement, feel awful about size of claim but hubby was off work ill for 10 months and being a nurse, i don't get a huge salary, but bank did not want to know. Just kept piling on the charges, now they know how it feels!!!

Have just been sat here reading your thread and you are giving me courage to carry on fighting. Have just sent LBA this morning asking for £14,000 fron Natwest, didn't even get response to !st letter sent. I wait with bated breath for outcome of your claim. Good luck, will have champagne on ice ready!!!!

Hi all, am about to post 2nd letter( letter before action) to natwest requesting repayment of nearly £14,000, (charges over 6 years). would love to hear from anyone who has requested repayment of such a large amount from them and won. am a bit confused regarding court procedure and who i claim via due to size of claim. any help would be much appreciated... thanks:???:

Hi, am also new to this site and am feling very nervous about reclaiming bank charges. currently asking Natwest for almost £14,000 and have just written 2nd letter as no response to 1st. worried about possibilty of court action as such a large sum ad obviously can't go through small claims court, help!!!!