I will bear that in mind. Thanks again for your help Chris

Thanks Chris, I have just sent an LBA Letter to Nat West.

Hello Everyone, I need some advice. I have gone throught the process of asking for my charges back from Nat West Credit card, they have responded by sending me a two page letter basically saying they do not believe the charges to be unreasonable and will therfore not reimburse me. What do I do now? Thanks in advance :?

Hi All, I wonder if you could give me a few pointers. Sent Data Protection Act to NatWest, Ceque cashed. no reply. Sent LBA to NatWestgiving them 7 days , no reply. What do I do now? Sent DPA to NAtWest credit cards Cheque cashed Received my statements sent off refund claim letter also stating I want my default removed received fob off letter saying the need to look into matters further and will reply within 10 days. WHat should I do now?

Hi Guys, I am a newbie at this so please bear with me. I have sent off a few letters to various creditors and have had two replies so far, one of them being from Lloyds TSB business banking. In the letter they state they are going to uphold their decision and not refund any charges. Their resons are: we charge you when yuor account goes overdrawn and you havent agreed it beforehand it is your responsibility to make sure your account remains within agreed facilities when you make a payment that takes your account in excess of your agreed facilities, it creates extra work for us. we are entitled to set charges to cover the additional work described above. These charges are not hidden and are notified in our published business tariff. It does go on a bit, but they state if I am not happy they will refer my complaint to the Financial Obudsman Service for independant arbitration. They have given me a phone number to contact them, but when I have tried all I get is and answerphone message. The question is what do I do Now. Thanks for taking the time to read this Kevin