I felt i would get nothing like you, then the letter arrived saying that they would defend everything a few weeks later, fear not, they are all delaying tactics and they cut it fine, next thing i know is there is a letter on the door mat saying they have paid up in full along with court costs. I felt like giving up especially when they said they would defend....just hang in there, you will get your money

They said they would defend against me but paid up a day before, so you should be ok.

LOL, these banks do push you to the limit sometimes and test your nerves, could not have done it without the help from here

Thank you all for your help (check my topics if you are going along the same claim) They settled out of court and paid me in full along with the £120 court fees....result!!! Im now £1200 better off

Fingers crossed i hope i get the same result, out of curiosity how many days did you have to go before they paid up...just so i can keep a rough time scale.

Ok, I have just had Notice that Acknowledgment of Service has been filed sent to me and NW has ticked the box that they will defend all of the claim, im not holding out much hope of winning this one now.

Do you think me putting in the wrong address will affect my court claim?

Well that is the claim completed online, i hope the address was correct as the check option failed, i used the address on the letter they replied to me with; Member Service Nationwide Building Society 1st Floor, Old Building Kings park Road Moulton Park Northampton NN3 NW6 (hope its not against forum rules posting that) Well fingers crossed and i will update when i hear something, how long should i wait?

Thank you for the replies so far. My last letter was as follows; This letter is in reference to my earlier claim for £**** made 27 march 2007 I have not received a satisfactory response to my earlier request for charges which I believe were unlawfully applied to my account. Under the Unfair Terms in Consumer Contracts Regulations 1999, charges must reflect administration costs and cannot be punitive. The £**** charges are unlawful as they do not reflect the true cost of going into an unauthorised overdraft. As a result, I intend to claim the full amount plus interest and court fees through the county court. I look forward to a full response to this letter within seven working days, otherwise I will commence court proceedings. Yours faithfully, So am i correct in thinking i need to fill out the small claims letter now? Also if i am to do that there are two courts in Southampton and im not sure which to use...Southampton Magistrate Court or Southampton Combined Court center.

Hi, my 1st post here and im not sure if my case is going well or not... I have got to the stage of threatening legal action using the letter templates and have just recieved a letter from NW stating that i had agreed to the terms and conditions upon opening the account and that if im not happy to take it up with the Financial Ombudsman Service. What do i do now, order the small claims pack? Many thanks.