No correspeondence received from either party, so will be filing my claim on Thursday (payday) - watch this space!!!!

Not quite sure what that last post is meant to read?? Anyone else?? Anyway, no response from NatWest so I will be completing my online moneyclaim thingy on Thursday when I get paid! Will keep you posted!

Cheeky "you know whats" have added another £38 charge to my account!! Out of politeness, I have sent another letter off to Mr Higley, informing him that my claim is increased, however, I am still sticking to my 14 days, which is actually up today!! So if I havent received a lovely large cheque/bankers draft in the post when I get home from work, I will be filing my claim on Monday!!

Just a quick update, found MORE statements with MORE charges on, so just wrote another quick letter to Mr Brophy to let him know that my claim has increased from £760 to £915!! See what response (if any) I get from that!!

I have read a similar question elsewhere on this site (as i have 4 claims with different banks) and it seems that its 40 calender days, so includes weekends and bank holidays! Hope this helps and good luck!

No problem! Thanks

Ditto, I got exactly the same responses from Mr Higley. They have until Friday and then I will be logging my claim through MoneyClaim too!! Not like I can afford it, but you have to speculate to accumulate!

Well, will be sending off my LBA tomorrow as I have only had the standard reply to my intial letter (sorry you are unhappy and one of my team will contact you shortly - Marc Winder, Head of Complaints) Anyway, no contact, no further letter so my LBA is going off!! I know its only £319.20, but its better in my pocket than in theirs!! Will keep you updated and Good Luck to all!!

Well, their time is up and my LBA will be going off tomorrow!!

Thanks to all of you! Its great to know there is so much support! I have a friend who is a magistrate in our local court, I may ask her to come along (if we get to that stage) for morale support!!

Ok, thanks for all of that! However, I was thinking of logging my "prosecution" using the Money Claim online thing. Can I state which court I want to hear my case? Dont want one in Penzance, as I live in the Midlands!

Had a reply to my letter, from Mr Higley again: "Thank you for your letter of 11 May 2006. I appreciate that we must agree to differ over the charges aspect but I note that your claim is now increased to £2.050.10. Our decision not to refund remains unchanged. In the circumstances I have alerted our lawyers and litigation departments to your intentions. Thank you for letting me know that you are also approachi8ng (their typo, not mine) the OFT." This doesnt look good, as they only have until Friday this week to refund the charges or I log a claim in court. Anyone with any suggestions/morale support!!! Really dont want to have to go to court as I have NEVER been in court for anything and wouldnt know what to say/where to start!! HELP!!

Had a standard letter from Mike Brophy - Head of Customer Relations, saying how sorry he is I am unhappy with the charges I have incurred!! Apparently my comments are receiving attention and one of his team will contact me as soon as possible (hurry up mate, you have until May 16th and my LBA will be winging its way towards you!) He also says if I want to discuss it further (no thanks, will stick to letter) I can ring him on 0207 116 4561!! He also enclosed their Complaints Leaflet - thank you very much!!!! Hurry up 16th May!!

Update for you (and advice needed)! Have had a reply to my LBA (and new claim figure) from Mr Higley that goes: "Thank you for your letter of 5 May 2006. I feel there is little I can add construtively to my letter of 3 May 2006, which explained the banks point of view. I have, however, noted that your claim has risen to £2050.10. The charges applied to your account have been associated with a lack of avaiable funds when items were presented for payment. Whilst still regretting that it is your choice to instigate legal proceedings, I hope you wont mind me reminding you rhat the address to be used is that of our Registered Office, which appears below" I am thinking that I write back, acknowledging his letter, sending a complete list of all charges (again) to show why the claim has risen and remind him that if i dont receive a FULL refund within the 14 days, I will start proceedings? Or do I leave it as it is?

Received the usual "we think are charges are fair" letter from Maureen Watson and was told to respond to Robert Kernaghan. LBA will be sent to good old Robert today, recorded post (copy to Maureen) and will wait and see what happens!

Thanks Alan, just been to the post office with my LBA - its gone off recorded post to Mr Higley! I attached a spreasheet showing the new amount, has risen from £1500 to just over £2000! Am currently penning a letter relating to the other business (and have sent applications off to set up a new bank account, just in case!) Even if they dont close my account, I am not sure I want to continue banking with these sharks anymore anyway!!

Changed the title (and bumped it too!!) Sorry!!

Right guys and gals, advice needed!! Have had a reply from our Mr Stuart Higley, general letter "We believe our charges are fair blah blah blah" - can you tell me if: a) I wait for the 14 days and hit them with my LBA? b) do I send the LBA now? also, I have taken another look at my charges and there is another £400 I have over looked - do I send another letter telling him that or just add a sentence in my LBA? And last but not least, in my prelim letter, I asked him a question relatiing to my account (they sent me a letter asking me to return my cheque book and debit card as I am overdrawn - again - due to nearly £400 in charges last month) I asked him to remove the restriction on my account - however the standard letter doesnt answer that, do I write to him again asking him AGAIN to remove the restrictions? Sorry to be a pain!!!! And thanks in advance!!

Well done!! And thanks!! Was a bit worried about that as I never have time to go and sort a new one out! As a guideline, how long from your initial letter to final settlement?? Am counting the days!!

Has anyone won their claim against Natwest but been forced to close their account or had their account closed as part of "the deal"? I know we are advised to get a parachute ready, just in case, but I was wondering how many people have had to change accounts? If it seems a daft question, sorry!!

I will do - and can I add that this site is really amazing. Not only do you give excellent advice to the likes of myself (who have been charged horrendous amounts over the years) but also genuine support and encouragement. Keep it up - its FAB!!!!

Yes, thats the letter I sent!! Just had to double check!! Thanks Neo!

Sent of my first letter to Natwest today, claiming £1535. As I have copies of all my bank statements, I dont need to request these, so can go straight onto the first stage - I hope this is correct, as this is what I have read into it! Can someone please advise me if this isnt correct - and if it is, watch this space!! Sent this (and my other claims to First Direct and Barclays) by registered post!! Barclays - claiming £760 - lnitial letter sent 02/05/06 First Direct - claiming £748 - Initial letter sent 02/05/06 Natwest - claiming £1535 - Initial letter sent 02/05/06

Sent of my first letter to Barclays today, claiming £748. As I have copies of all my bank statements, I dont need to request these, so can go straight onto the first stage - I hope this is correct, as this is what I have read into it! Can someone please advise me if this isnt correct - and if it is, watch this space!! Sent this (and my other claims to Barclays and Natwest) by registered post!! Barclays - claiming £760 - lnitial letter sent 02/05/06 First Direct - claiming £748 - Initial letter sent 02/05/06 Natwest - claiming £1535 - Initial letter sent 02/05/06

Sent of my first letter to Barclays today, claiming £760. As I have copies of all my bank statements, I dont need to request these, so can go straight onto the first stage - I hope this is correct, as this is what I have read into it! Can someone please advise me if this isnt correct - and if it is, watch this space!! Sent this (and my other claims to First Direct and Natwest) by registered post!! Barclays - claiming £760 - lnitial letter sent 02/05/06 First Direct - claiming £748 - Initial letter sent 02/05/06 Natwest - claiming £1535 - Initial letter sent 02/05/06