I recently claimed back £4,478 from NatWest which was fantastic and very welcome! Just checked my bank account and they have again charged me £38 for an unpaid direct debit although there by my calculations there was enough money in my account! I called them this morning to ask for my 38 quid back. They told me that they would refund half of it as a gesture of goodwill!! Obviously I told them to forget it and that I would have to pursue them once again for the full amount. What I now want to know is, do I have to go through the whole process again just for £38? LBA, etc?? Any help would be much appreciated.

Congratulations. I sent off my 'rejection of partial offer' letter today. I'm claiming £4,438.11 in total and they offered me £2,150! Your thread as given me real hope.

Yes - their request for further info does mention CPR Part 18. I've copied out the questions they've asked which are as follows:- "1. In relation to each charge, please clarify the following: (a) is it the case of the Claimant the same should not have been charged? (b) If yes; please explain why the Claimant contends that the same should not have been charged? © If no; is it the case of the Claimant that the same should not have been charged in this amount? (d) If yes; please explain why the Claimant contends that the same should not have been charged in this amount and identify the sum the Claimant contends should have been charged. (e) If no; please state the Claimant's case. 2. In your claim you state that "the defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law". 3. Please provide the following particulars in support of your claim: 3.1 Please specify the clause(s) pursuant to which the charges were applied; 3.2 Please specify whether the charges applied were due to a breach of contract by the Claimant; 3.3 Please identify in each case the particular breach of contract (by reference to appropriate term(s) of the contract) that the charge related to. 4. In your claim you state that the charges are: "invalid under the Unfair (Contracts) Terms Act 1977 s.4 and Unfair Terms in Consumer Contracts Regulations 1999 Para.8 and Sch.2(1)(e)" and "unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15". 5. Please specify all of the facts relied on by the Claimant in support of the contentions in paragraph 4 above, and in particular please identify the contractual provision(s) that the Claimant alleges are invalid by reference to UCTA/the Regulations." All the info I submitted on my claim form was taken from this site. I'm now panicking slightly! Should I just send the schedule together with a covering letter with your suggested text (which thank you very much for!).

I need help again! NastyWest have filed a Defence at the last minute. They (Cobbetts) have also sent me a "Request for Further Information and Clarification" stating I should reply by 28th Sept. I filed my claim on the Money Claim website so was unable to attach my schedule of charges and interest. I realise I need to send them the schedule now but I don't know how to reply to their questions! What do I do? Can anybody help me with my response please?

Hope somebody can help me. I'm just filling in details on the money claim website and I read on this site that I should send the court a copy of my schedule of charges but the money claim site doesn't appear to give the option for attaching files. What should I do? Also, should I enter the total amount of my claim in the claim amounts box, i.e. charges + 8% int + £10 for statements + 8% int on int charges?? Please help - slightly confused! Doesn't take much to confuse me

Thanks Cumbria. Just totted up bank charges and interest and am looking at a figure of approx. £3,500 so battle will commence forthwith!!

Just received a very battered and torn brown envelope from NatWest containing 6 years worth of statements (they didn't charge me the £10 fee either!!). So I'm just settling down to fill in the spreadsheet of charges but not sure whether I can claim the unarranged borrowing fees back. I incurred these charges before I had arranged my overdraft and I've been charged £14 each time I went a few pence overdrawn. Can I claim these charges back too?

This may seem like a really stupid question but I'm slightly confused as to whom the payee should have been on the cheque for £10 which I sent with the accompanying DPA letter on 7th June. I made it payable to NatWest!? I've had no acknowledgement of receipt yet. Will NatWest acknowledge receipt or will they just send me my statements? Was I right in making NatWest the payee??

Have just posted the DPA ltr to NatWest after sitting on it for a couple of days. Aaaarrgghhhh......what have I done???!!! This is sooooo scary, taking on the big boys, but I'm encouraged by all the posts I've been reading so fingers crossed. Still can't help feeling that I'm gonna be the one they decide to make an example of.....:-|