They did mention 1437 times in the letters that I should have asked for overdraft facilities, although I asked 1437+1 times and been refused. They know that by refusing they have a fat chance of gloating you money for unauthorised OD. And yes, they did mention some "changes" to my services (the "we don't want you" attitude) if I still have problems so I could find a better deal somewhere else. However, I don't think they checked me out properly. Logically thinking, no matter how much they might want me out, there's little they can do: my children have their junior accounts with them, I have credit cards from them, a couple of savings accounts, a couple of current accounts, I am on my 3rd loan repayment from them and recently I opened an account for my husband and a joint account with them. Will they sign me off? Don't think so... Imagine if they close all the accounts for those claiming money back... As it stands, there seems to be a banking revolution in progress... NW will collapse. And yes, they are efficiend in providing versatile services (apart from the unfair charges, but that is everywhere). I like banking with them, although I don't go to the bank. I prefer online banking. For those who want to know what guide I used to get my money back - you are welcome to check here. I used step 2-4 only. Please rate the post if I helped at all. Good luck to ALL!

Hi, Please check my post on this site by clicking here I WON!!! IN 16 WEEKS! SO FORGET ABOUT ANY JUDGE RULING. JUDGES ARE DIFFERENT, PEOPLE ARE DIFFERENT AND BANKS ARE DIFFERENT! Hope I helped! Good Luck!

Hi, I Just got 2 letters from NatWest 2 pages each, explaining how wrong I am to claim the money and how right they are to charge, how my "complaint" does not have any grounds and how "concerned" they are that I "feel" I had to complain. The last paragraph, though, in both letters, with the "goodwill gesture" talk, they are offering me settlements for amounts higher than I claimed for!!! I think they included the charges taken after I started the claim process. Not that I am complaining. Anyway, they offered me this, refusing to accept any liabilities for any errors I claimed thay made. That's OK. I did not claim for their liability, I claimed my money back and got it plus extra! Now I got 8 weeks to decide and sign the offer forms. I think I decided long time ago!!!!!!! How is your fight? Hope well. Did the link I gave in my previous post help? Have a nice weekend.

Hi and thanks for your advice on my problem. I just sent my 3rd letter to Natwest with my second demand and warning to go to court. (Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more). I have to say that they are very slow. I sent 2 checks (£10 each) for 2 accounts beginning of February. After 5 weeks I got copies of statements for my 2 accounts (full 6 years as requested) and 1 check back. The other one was cashed a week before. When I sent my refund claim letter I had no reply even after 8 weeks. Last night I sent another one (my 3rd one: reminder + warning). This time I posted it SIGN FOR. I don't know where this will bring me, but I have nothing to lose! Good luck with the claim process and I'll keep you informed about the progress of my one.

I want to add that this is MY FIRST EVER TICKET of any kind and, ironically, got it at home!

Hi, I just got my first ever parking ticket and it's for parking in front of my house! We live in a very quiet Close with just a few houses and no many pedestrians. The only few people you see are the neighbours walking to their cars and back. I did park on the main road with 2 wheels slightly on the pavement though. Mind you it's a small and girly KIA car. The road is very narrow and I thought I was doing my neighbours a favour by creating more driveable road space. I'VE BEEN PARKING LIKE THAT FOR 5 YEARS! Everybody was parking this way. Today everybody parked on the road (each household has at least 2 cars!) causing a lot of unecessary confusion and chaos. I've never seen any traffic wardens in this area before. Don't know how they got here... NOW I HAVE A TICKET (while feeding my baby inside)! I am on maternity leave (unpaid) and it breaks my heart to give £40 away like that (1 month worth of food & nappies for my baby!), yet I paid the PCN immediately as I did not want to stretch the agony of separating with the money. Now that I found this forum I truly regret it. I do have some queries and I would be very happy if someone would enlighten me a bit: :idea: The PCN states the contravention description as "Parked with one or more wheels on any part of an urban road other than a carriageway (footway parking)" code 622, yet I could not find any definition of code 622. The closest I can get is code 62. What is code 622? :idea: The place is indicated as XXXXX Close. Does it have to have a precise address (it was outside my house)? I did read the Road Traffic Act 1991 (c. 40), Part III, Traffic In London (http://www.opsi.gov.uk/acts/acts1991/Ukpga_19910040_en_3.htm#mdiv66) but it did not specify. :idea: Can the council send traffic wardens to areas that they've ignored for so many years (not that they were needed there)? What triggers these "wake-ups"? :idea: Couldn't there just be a warning for those parked outside their houses as they definitely did not negatively affect or offend anybody (apart from the traffic warden, apparently)?! :idea: Why can't the traffic wardens go and find the real offenders and leave the small trouble-less communities alone, unless there is a cause to police it. :idea: Is there anything that can be done to challenge my PCN and get the money back (apart from parking properly on the main road!)? Thank you and park wisely!