Excellent, can you point me in the right direction, ie thread, for finding out about the 6 year period and if i can claim for the six year period i have or if i have to trim it down to suit them. Cheers for the advice and ill wait for the courts paperwork to come through. I'll keep you posted.

I have received my letter from cobbetts on behalf of natwest explaining there defence and asking for more information and clarification. I do have a couple of template letters from this site but they also say " without prejudice to the foregoing paragraph (which i beleive is the same first defence paragraph on all letters), if and to the extent that the claimant proves the allegation that the defendant debited charges to the claimants bank account, insofar as such charges were debited on a date or dates more than six years prior to the issue of this claim, any remedy in respect of the same, whether damages, restitution or otherwise, is barred by the operation of the limitation act 1980 and/or the doctrine of laches and the defendant will apply to strike out this aspect of the claim and/or for summary judgement. Does this mean i lose out on money owed before the court date was ordered? Does this void my claim? Should i just ignore this as a threat? I have both letters i wrote to the bank demanding refunding the charges but i dont have the letter i requested my statements therefore cannot put a date on my first point of enquiry.

Congratulations, nice one mate. Did you reply to the cobbetts letter? I have recieved mine and am a bit confused by the legal jargon, of course they wish to defend and want to request further information, what do i send?