Thanks Deller, just been reading your thread with interest. Any news yet ?. Also I filed my MCOL today, and it states that NW have 14 days to defend when filed, but they obviously choose to delay things. Do you know how quickly MCOL file this and the 14 days start ticking ?. Eager to get my money back, and before xmas would be just the tonic, then it's on to Capital One !. Rgds Alex

Just filed my MCOL which was fine thanks to the great instructions on this site. Only question I have though is that I could not see anywhere to upload my spreadsheet, and yet my claim has now been submitted with all charges etc. Do I need to send the court my list of charges somehow and how do I do this now after submitting my claim ?. Advice would be much appreciated. Thanks Alex

Got another letter from Mr Higley within a few days to to state that little he can add to my first letter, and that he has informed his litigation department accordingly. I guess it is the MCOL or N1 claim form now then ?. Will sort this out today and get the wheels in motion.

My LBA is one the way with another copy of my costs summary. As my amount is around £711 in total before the 8%, have Natwest ever just settled without dragging on until the last minute on smaller amounts like this ?. Seems that they must realise now they are on to a loser, and must be costing them more in correspondence and wated time, than actually thinking we will go away. On to my capital one credit card next which I am sure is going to be my big one. This site is amazing.

Sorry, being a dumb ass yes I can see it is 3. LBA letter which is next. Obviously I drop the first line of 'not receiving a reply' because I have !. Thanks again for your help. Will press on !. Rgds Alex

Thanks for the comments. I have made my claim for repayment of fees, and got the standard Mr Higley letter saying thankyou, but unfortunately these were the terms agreed etc and they are not paying. This letter included my schedule. They have therefore replied within the 14 days, so going through the template letters in order of number, it should be the completion of the court claim yes ?. Rgds Alex

Fair play to Natwest they have responded to me within the timeframe with the standard fob off letter saying thanks but no thanks. Not totally sure what I do now, think I have to fill in the part 4. of the template which is the Court Claim Form ?. Is that correct ?. As the forum has so many threads I wondered whether somoeone could easily help me without wading through everyones individual threads. Many thanks as always to the users of this site for help !. Regards Alex

Thanks to those that helped me that is a great relief. For the record my calcs. were wrong !. Thanks Alex

Thanks for the feedback. Would anybody who has been through the process, be happy to let me mail them my spreadsheet to have a quick look through and comment accordingly if they feel I am doing something wrong ?. I welcome any support on this at all as I am eager to fire off my claim now !. Thanks for all possible helpers !. Rgds Alex

Can anybody help me. I wish to attach an excel file of my charges for people to comment on but don't seem to be able to upload. Thanks Alex

Thanks

Visiting Sheffield Hallam Univ and parked in a car park next to it. Only notice of where I parked being residents only was on a meter positioned at the top of the car park, hidden behind a huge 4x4. Walked across to another meter in equal distance and asked what I thought was a warden in the car park and he said 'As long as you have a ticket you should be alright'. Paid my £2 and got back 1.5 hours later to find a parking ticket !. Just above where I parked about 4 bays to the right was a huge notice saying 'Have You Paid And Displayed'. Only other clear notice stating resident parking only behond here, was 20 yards further on from where I parked. Got loads of pics on my mobile, even of the warden I spoke too. Absoultely fuming and going to challenge them all the way. Just sent them my ticket back with photos and a stern letter !. Here hoping, but they aint getting anything from me when I feel it is so poorly marked.

Thanks Martin that is a great help. Rgds Alex

Checking my credit card history I have several late payment charges of £18 to £20 a time. Can I claim for these ?

Cakey thanks for this. I will take my monthly charges out of the equation, but the rest all looks good to reclaim. Just need to work out interests on the spreadsheet now, and fire off my next letter. It is an advantage gold account, although I notice that they now charge £12 per month. I always thought this was because I was just going overdrawn each month, but this is scandalous. How can they charge this ?. Getting this account closed pronto.

Just waded through my statements and I can't believe how much I lost out in charges to Natwest over the years. I am not quite whether all or some of these are viable to claim back, so any advices would be greatly appreciated:- 1. Loads of over arranged overdraft charges at £3.50 per day !. (2 at 20 days x £3.50 = £70). 2. Loan Penalty = £18.59 charge 3. Unpaid DD = £27.50 4. Paid Referral = £25.00 5. Unarranged borrowing fee = £14.00 6. Unpaid R/P fee = £30.00 7. Default Notice Fee = £30.00 8. Charges = £10 per month. I get a total of £795 in fees, plus my 8% column adds up £304. I have not even tried to work out the interest part of the spreadsheet yet. Comments on the above listed charges and which can be claimed would be extremely helpful. Thanks Alex

Thanks Cumbria that is a help. I am not sure I can claim for that much then as I have a couple of paid referrals for £25 each and an unpaid R/P fee of £30 which I am not sure about. Sounds like the £6 per month service charge before the additional interest for going overdrawn is normal then. What about £14 unarranged borrowing fee ?. Is that claimable ?. Is their a link on the forum to show exactly what you can claim and what you can't ?. Sorry if I sound a bit new to all of this, but I am ! lol Thanks again.

I have been trawling through my old Natwest statements for my current account, and also for my old Natwest credit card statements (Have not had this account for a couple of years now). I can see I have been charged £25 for PAID REFERRAL whatever that means, £14 for going overdrawn and a number of £6 service fees plus £3/£4 interest each time. Surely if I am overdrawn shouldn't I be paying charges ?. If I paid late shouldn't I be charged £18 ?. Could somebody just clarify what I can and cannot claim for to help me with my calculations. I have generally been overdrawn almost all of the last 6 years and have interest charges, fees scatted across my statements. Also looking at sending off for my old Capital One credit card account. Sorry to be so vague but I am a newby to all of this.