John Cunnane Manager Customer Relations Unit - Depot Code 040 225 Shenley Road, Borehamwood, WD6 1TE I know that a few of people have contacted him and got responses. If you need any help juts let me know. Good luck

Have finally managed to get my claim sorted and have now completed my N1 form and sent that and all of my particulars to the county court. Total claim of: £2,156.00 in Charges and £351.78 interest Total£2,507.76 plus the 8% interest and the court fee brings the total amount up to £just over £3000. Is it just a case of sitting tight now?

Right, I have had no reply from Natwest to my letter before action (is this normal??) and I am now in a position to proceed to the next stage. (moneyclaim). Before I go ahead with this I need to check that I have done my calculations right so far. I am planning on claiming £2,156.00 in charges and £351.78 in interest on these cahrges. Can anyone tell me if the interest on the charges looks about right as that is the bit I am not sure of. These calculations are for the last 6 years and the acount itself has been has been overdrawn for approximately 4 of the 6 years. Does this affect the interest calculation? When I go through the moneyclaim process is it now that add on the additional 8% interest? If anyone can help with the moneyclaim process then I would appreiciate it greatly as it all looks a bit confiusing to me.

I sent my LBA on 29th July and still have had no reply. I guess its just a case of sitting tight and waiting for either a reply or the 14 day deadline to expire. Fingers crossed.

Ok, I need some advice now. What I have done so far is: 1. Requested my statements 2. Received my statements & entered all chrges & interest (not the 8%) onto the spreadsheet. 3. Sent Preliminary approach for repayment to NatWest, total amount of £2,156.00 in Charges and £351.78 interest Total£2,507.76 4. I have received the foolowing reply to my letter: Dear Mr xxxxx, Thank you for your letter of 15th July 2006 and I apologise for any dissatisfaction caused by the application of charges to your account. We believe taht our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff which we are satisfied complies with all applicable laws and regulations. We are also comitted to ensuring the transparency of the information that we give to our customers about the operation of our products. We have considered the Office of Fair Trading's statements of 5th April 2006 and do not accept its findings in relation to the setting of credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the setting of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to Credit Crads and made no attempt to consult with the RBS group or the industry in relation to other entirely different products. Consequently, against that background, we must differ with the views you have expressed and will not be refunding any of the bank charges applied to your bank account. When your account was transferred to out Credit Management Services, a full review of the charges and operation of the account would have been undertaken and no charges were found to have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the times items were present for payment. Accordingly, the charges taht have been applied to your account must stand. I am disappointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any proceedings are served on our Registered Office Address, which appears at the foot of this letter. I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and trouble to contact us, Yours sincerely, Stuart Higley Customer Relations Is this a standard type letter that others have received?? I know that the next step is the LBA and I send this on the 29th July (at the end of the 14day period), but looking at the Template of the LBA, it is written for those who haven't received a response. Because I recieved a reply, is there a different letter I need to send now?? I am 100% committed to going through with all of this but will need your help and guidance along the way. Thanks in advance. Moustacheman

Does anyone know the best person to send my preliminary approach for repayment to. I have read the thread above with the contact details on but there are conflicting views on there and many many contacts. Who have people sucessfully written to and heard back from. I was going to send it to: John Cunnanne Manager Customer Relations Unit - Depot Code 040 225 Shenley Road, Borehamwood WD6 1TE

I've just actually worked out what the problem was!!!! All I need to know now is: When I submit my claim, do I submit a claim for: 1. The charges and the Interest Charged or 2. The charges and the Interest on penalties or 3. The charges, the interest on the penalties & the interest charged?

Thnkas for the reply but The spreadsheet with the examples on is the one for the 8% interest and is not the one I need. I need to know how to use the one which you just put your chrges on and the interest you are charged on the overdraft.

Hello all, this is my first post on the site relating to my claim which I am pursuing against Natwest. I have recieved all of my statements from them for the last 6 years. I have downloaded the Excel spreadsheet which you enter all of your charges onto. I am a bit unsure though when it comes to putting the interest onto the spreadsheet. I know that I do not claim the 8% at this point and that I only do that if the case goes to court. What I am unsure of is this: 1. At the end of each monthly statement the bank have applied an interest charge on my account. Do I put this onto the spreadsheet? I did start to do this but was then unsure? In the Interst on Penalties Column there didnt sem to be any consistency in the way the spreadsheet works out the interest. For example Interest Date Interest Charged Account balance Interest on at interest date Penalties 31/08/2000 £4.47 -358.53 £0.69 31/03/2006 £14.21 -1,257.63 £14,21 Can anyone tell me where I am going wrong? Do the Charges coulums on the left have to line up with the colums on the right in a monthly order? So if I had 6 charges in january in the left column does the interst charged for January have to line up in the columns on the left? When I submit my claim, do I submit a claim for: 1. The charges and the Interest Charged or 2. The charges and the Interest on penalties or 3. The charges, the interest on the penalties & the interest charged? Please help as I am rather confused. My charges amount to a total of £2,146.00!!

If the bank has charged a fee for going over your limit then can you claim this back from them too or is it only unpaid direct debits and bounced cheques that you can claim for.

Yes I did send it recorded delivery and have proof of reciept of the letter too! Thanks!

I have recently sent a letter to Natwest asking for all detail of charges applied to my account (which I no longer use) and as with my new account I don't have a cheque book so was unable to send the £10 cheque with the letter. Instead I sent a £10 postal order. Can anyone tell me if this is ok or should I have doen something else?