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I went down the court route with both Natwest and RBS, and although there were no complications I had to spend hours and hours researching everything so that I'd be ready if it did go to court. I suppose as more of us start going down the FO route we'll see how it compares to the tried and tested method of using the courts. I believe initially it was taking the ombudsman months to look into the complaints but it seems they are now on top of it. To be honest I can't be bothered with the courts this time so if I can get my money back this will be very pleased!!

After reading this thread I've had a look around and decided I'm going to go down the ombudsman route with my Barclays claim, as its only for a small amount and I can't be bothered with all the stress and work of going through the courts again! Had my final response from Barclays so submitting my complaint today!

Hi, I'd just send a new prelim stating the correct amount, its fine to change the figures any time up to filing the court claim. Stacy

Hi Phil, Good luck with your claim, RBS took a while to settle my claim but they settled eventually, as they always do! If you have any queries post them here and somebody should be able to help you. Stacy x

Hi Kev, well done for getting this far and I'm sure with the help of CAG you can go all the way and win an appeal. Stace

The Unfair terms in Consumer Contracts regualtions 1999 regulation 5(5) Got UCTA on the brain through charges issues!

hiya I'm in exactly the same boat as you last year I signed an agreement after my first claim and have now just started the 2nd claim, I am fully expecting it to take forever because they will drag it out and I think are much less likely to settle before filing the court claim. When they write re the agreement I am just going to point out that its an unfair contract term as per the UCTA 1977 and that you can't sign away a legal right! I'm sure they'll pay up eventually they'll just take their time about it, I'm about 2 weeks in front of you as I've just sent LBA so keep me up to date with how you get on! Stacy x

Hi all, I have already had a previous claim with Natwest early last year and they settled straight away, and I ( Stupidly I know) just signed the form they sent with the refund, effectively signing to never claim for future charges, I was new to the forum etc! So have been putting off claiming for charges since last year as it will be slightly messier, UCTA 1977 etc. Anyway after they charged me £114 in one day last week I have decided to finally do something about it! So prelim sent 08/03/07 for £456! Stacy x

Hi demon, If your partner submits his tax return before 30th September he will be able to pay any underpaid tax via his tax code, so he will pay a little more tax through his employment every payday until the amount is cleared, this is usually quite a manageable amount and is what I'd avise and what the revenue would prob advise as well. Stacy

WELL DONE!!!!!! You got there in the end xxx

I think they only tend to close accounts if you claim against them more than once, but as me says best to be prepared!

CONGRATULATIONS!!!!!!!!! Well done, and good luck with second account! Stacy xx

CONGRATULATIONS!!!!!!!!!! Well done Lynzi!

WOW finally!!!!!!!!!!!!!! At least its finally over, although they've made you work for it! Congratulations Stacy xx

if on a normal month its £5, anything above that will be a penalty charge. So claim for any anything above the standard charge i'e £29. Double check what the standard charge is, it varies on different types of accounts! Stacy xx

if you go to vampiress chamber and look at the spreadsheet there you enter the balance on the account at the time and that calculates how much of the interest is allowable. take your time and post back if you have any problems. Stacy xx

Hiya Just write back accepting the £374 as partial settlement but say you will be going through the courts for the full amount. RBS seem to be settling a lot quicker recently so you never know! Stacy xx

Hiya, I sent by post to my branch address, not sure if it can be done by email!

yeah I should think so Suzy!

CONGRATULATIONS!!!!!!! Bet you soon forgot the hangover!!!! Well done hun xxxxxxx

another 14 days of waiting then!!!!

Good luck Suzy and keep us all informed. Stacy xx

Hi Clive, First of all if its 14 days since you sent the LBA then moneyclaim is the next step, there is a template for the wording in the library. Just take your time and post here what you're writing before you submit if you want somone to check it over for you! Once MCOL is submitted the bank have 14 days to acknowledge the claim and then a further 14 days to enter a defence. If you read around the forum there are lots of us who have been in the same position and there is help to most questions on the threads, but if you need any further help just post here! Stacy xx

CONGRATULATIONS!!!!!!!!!! please fill in the survey!! Stacy xx