Ok - Time has run out for Nasty West, has been for over a week. But Ive been too busy and skint to file. Looks like this might be just as well as there now seems to be an issue with claiming CI on the grounds of mutuality and reciprocity. I was looking into whether to go the MCOL route or N1, purely down to the lack of space on MCOL and the fact I was claiming CI - I had opted for N1 (unfortunate, cos my finances would be so much healthier if i could pay by card on MCOL). Now unsure whether to drop CI and go MCOL with just statutory 8% s69 or amend wording as suggested in this thread http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost-8.html and use the - if the court does not agree with CI at unauthorised borrowing rate then I claim 8% as per section 69. Hedgey??

Finally received some statements (only 6 years worth). Done my sums, and from the statements received, my charges account for almost the whole of my overdraft (if I include the interest paid on those charges the total accounts for more than my OD). I am not happy about them forcibly reducing my overdraft, especially as I now know that is is entirely due to unlawful charges, I feel that it is unjust, and that they are only doing this because I am making a claim.

I have just received a letter from NW and they are reducing my O/D by 250 because i have gone over the limit a couple of times recently. I still have not received my statements mind you, only on day 26/40..

Good Luck Fendy.. go get em

Fendy - OMG -- best I check on your thread, I thought you had it in writing??? Im sure hedgy's right And yes, counting down the days..... Good Luck

Hi Tom, Welcome and the best of luck to you... Kitesurfer

Cheers Hedgey - I've had a look through those, I'll have a think about whether to go mcol or N1.. Nice to see fendy and parky have won.. keeps everyone smiling, especially trying to follow the threads!! :D thx for yer help Kitesurfer

right, managed to wait out my 14 days... LBA in the post recorded delivery today..... best I start looking at the next step

Congrats fendy, like the rest been reading 4 a while, and you nutters make me smile... well done..

just want to add my CONGRATS!! parky.. nice one... made up 4 u.. and good luck Fendy..

true hedgey - cheers

thx Hedgey.. posted prelim 19/05 delivered 21/05 response (we will get back to you in 6-7 weeks) received today (26/05) I'm just impatient... he he

OK - checked back with FAQ, still need to wait out the 14 days.. LBA going off on 4th June... Its only a week monday.. seems sooooooo far away lol

Just received letter stating they are currently considering my claim and anticipate they will be in a position to respond in 6-7 weeks..... As they have not entered into a sincere dialogue is it straight onto the LBA now... or do I need to wait 14 days...

Cheeky gits.... rather than signing and resending my original letter, I used the preliminary letter from above, and sent them a new cheque (just to be sure they could not complain about the payee) I only resent the preliminary letter on the 21st and just phoned Natwest to cancel the original £10 chq to nationwide.... Only to find Nationwide have already cashed it on the 04/05.. 14 days BEFORE they returned my request!!

Hey MTM - what happend to your claims, checked your threads but no action 4 a while on the B/h's and no thread 4 u??

LOL - i'm all fired up but know they will wait out the full 40 I have directed quite a few mates to the site, but get the impression they will only take an interest once i've been paid out.. I looked around for some old NW statements and found about 1 years worth - in one month i had over £230 in charges!! and that was after they had refunded me £50 worth... I had forgotten just how bad it was!! GRRRR.... Still it just makes me feel even better to be working at getting it back.. This site makes it so much easier, being able to see where other people are, and all the support is top! I've been looking around quite a bit, trying to find out about claims for more than 6 years. Also want to get my head round the whole going to court bit, so I am prepared.. like u say - i'll have plenty o time I also have just sent my preliminary letter to natwest, so at least I will have something else to do in 14 days on that one..

Proof of delivery 21/05

like it fendy - LOL

Delivered 21/05

thanks MTM, I did send the S.A.R Template letter - Will let you know what I get back.. fingers crossed its easily decipherable - cos there will be lot of it!!

Cheers Hedgey, they havent sent me a letter for ages, funny though, Im keenly awaiting their next one I'll see how it goes with the acct Good Luck with yours too, I havent even got as far as reading about an N1 yet!! Kitesurfer

I currently have a £3k overdraft, are NW likley to cancel this while this is ongoing, or has that kind of practice stopped now? This is still my main account - wondering on the need for a parachute acct.

thx scott. Thats in the post recorded delivery tomorrow then.. As for the daily rate - it is correct as you say, and as i'd expect really.

Nice move.. I made the chq out to the corprate plus my name and will see how it goes.. sending recorded delivery tomorrow for ALL my statements and credit card. Good luck with yours too - have you got a thread I can watch