thanxs all for your great advice...i really need it!!!! i'm definately gonna stick 2 my guns!!!! even if it does get scary!!! i will keep you all updated as to what happens next...thank you all so much again Louise xxxx

Yes I Sent A First Letter Asking For A Refund, Then After That Failed I Sent The Letter Before Action...is That Right?????

Thanks dolly!!! it's great there are people on here like you to help!!! think i just get caught up with all the jargon...it just confuses me!!! thank you again, i'll let you know what happenas next...Louise x

I've Just Filled My Claim On Moneyclaim Online, What Do I Do Now? Am I Meant To Ring The Court, Or Do Money Claim Sort It Out??? Im Really Unsure Please Help!!!:? Louise 24, Northampton

I Recieved A Letter In Response To My Lba, Stating They Would Refund Me £409.00 As A Gesture Of Goodwill...of Course I Did Not Accept As They Owe Me £1,500!!! So I Sent Them A Letter Stating This, And That After The 14 Days I Will Be Issuing A Claim. Today I Recieved A Letter Stating That... 'due To The Nature Of The Issue, I Am Now Refering You To The Customer Relations Unit, They Will Contact You In The Next Few Days' Signed Mark Chamberlain.....what Do I Do Now Do I Speak To Them? Im Just Not Sure What To Say...im Not Very Good At Things Like This??? Please Help Me.....:? Louise 24, Northampton

Thanks All For Your Help!!! Im Definately Not Going To Accept The £409.00...i Will Send Another Letter Informing Them I Am Not Happy And Basically I Want My Money...if Not Off To Court We Go!!!!!

REALLY NEED SOME HELP!! I SENT MY DATA PROTECTION ACT LETTER OFF A WHILE AGO, RECIEVED STATEMENTS, AND CALCULATED THAT NATWEST OWE ME £1,500!!! SO I SENT MY LETTER OFF SAYING I WANTED MY MONEY BACK! I RECIEVED A LETTER STATING THAT THEY WILL NOT BE REFUNDING MY MONEY, SO I SENT THEM MY LETTER BEFORE ACTION...TODAY I RECIEVED A LETTER STATING THAT THEY BELIEVE THEIR CHARGES ARE FAIR AND REASONABLE, YET THEY WOULD BE PREPARED TO REFUND ME £409.00 AS A GESTURE OF GOOD WILL!!!! NOW WHAT DO I DO, I WANT ALL MY MONEY....IT IS MINE!!! I JUST DON'T KNOW WHERE TO GO FROM HERE!!! PLEASE CAN ANYONE HELP??? LOUISE, 24, NORTHAMPTON

i've finally plucked up the courage to send of my Data Protection Act for a copy of statements showing all charges to my account! it's quite scary, but at the same time i don't think it's right to sit back and let the bank get away with it!!! i sent my letter just over two weeks ago, i have checked my recent statements and they have banked my statutory fee of £10.00 so now i am just waiting for my statements! lets hope it's soon to get the ball rolling! no doubt it will take ages! It's great to hear all these stories and advice it really gives you the information and courage to go through with it! will let you all know how i get on!!!! GOOD LUCK EVERYONE!!!!!!! Louise (weez) Northampton