Hi all, just had a letter back from Stuart Higley today, he's basically said that there charges are fair, reasonable and transparent, he then babbles on about the office of fair trading statement of 5 april 2006 and that they do not accept its findings in relation to its findings on credit card fees. He then goes on to say that he is concerned that the office of fair trading has publicly called into the question the the setting of charges applied to other products, including current accounts. Then he says against that background they cannot find any instances where charges have been applied when not properly due. And thats it, no money yet, although i didnt expect it yet anyway. All i can really say is what a bunch of tight fisted greedy bull****ing ass munchers. anyway on with the battle...........

Hello all, im quite new to all this, just sent my DPA today (recorded post). Natwest have been getting up my ass for the past 3 months, since my account opened back in 2002 i didnt have a single charge for anything. And then march arrived this year and TWATWEST decided to take a direct debit early and made me miss a payment of a cheque, from this tiny mix up and over ten charges later the snowball effect totaled £433 in charges . They messed my credit rating up so bad i cant open another account now so if they do shut my account down im screwed. Ah well we shall see what happens....