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Quick update Had a letter from Natwest I just assumed it was the usual denial and stalling tactics so left it unopened for a few days. Anyhow it turned out that it was offer to repay the £1700 I was owed in bank charges. To say I was supprised was an understatement. This is the fastest turnaround I've ever experienced and I want to thank everybody on the site for their support. Swash

You're quite correct Nattie this is not the interest rate from NatWest. The interest rate is the default rate from the template spreadsheet in the library section. Probably best to alter that to reflect the true interest rate charged Secondly yes there's only one repayment thus far and that has been excluded. I am looking forward to challenging NW, taking comfort from the fact that I've been through the rigmarol once before. However I am painfully aware that the banks/courts take a consideral amount of time to resolve the issue. Thanks for the support and will keep everyone posted. Swash

Just flesh out the background to this, in the space of 2 years some £1700 (including 8% interest) has been deducted from my NatWest account in the form of bank charges. I have kicked proceedings off with the data protection letter requesting information and a standard letter detailing the unlawful charges levied against my account. The key question is should I inform them, in any future knock back letters that I will inevitably receive, that I have successfully challenged bank claims in the past? Just for the sake of speeding the process up. Swash

Ok quick update...I'm pleased to announce that a settlement was completed for the full amount. Just waiting for the cheque to clear. Thank you everybody for your help and support. A donation to the forum will be winging its way swash

Quick update. Received the following letter today 8th November - Notice of Change of Solicitor. Apparently DLA will no longer be representing the case and that Abbey National will be acting in person. The court case is due next week. So what ramifications does this have? Is it simply Abbey National do not want to have to fork out for the solicitor to travel down from Leeds? Can anyone else shed any light.

Thanks Matrin3030, Any suggestions would be most appreciated, I have all the spreadsheets/templates filled in I guess I just have to make it presentable? Will I need to have any other docs prepared? Swash

Well, roll on another month and finally I have been given a court hearing. "Take Notice that the small claims hearing will take place on 14 November 2006 at 10:15 AM... When you attend 2 hours has been allowed for the small claims hearing." Don't know about you but 2 hours seems excessively long for my case? Have to deliver documents supporting my case by 4pm Friday, 13th October. Is there a thread detailing the actual court appearence? I vaguely remember seeing a thread detailing what docs to bring, how to address the judge etc. Well fingers crossed hope everything goes to plan.

Hi all, Ok, the very next day low and behold I received a settlement for 50% of the total claimed plus 50% of the interest accrued plus all charges. Thorny question I know but is it worth settling or should I squeeze them for more? If so how much? Thanks Swash

Hi All, For clarity sake I've copied this thread and given it a more appropriate title. Have just received my Notice of Transfer of Proceedings and the allocation questionaire from the court regarding my case. I have until the 20th August 2006 to complete the questionaire. Would appreciate any advice on the following issues I have. 1) Is it quite common to pay an additional court fee (having already paid c.120GBP on MoneyClaim)? 2) Secondly should I wait for DLA solicitors to offer me a settlement? To date none has been forthcoming. 3) On the allocation questionnaire The first section asks do I wish to postpone any further action so that you and the other party can settle the claim? Should I do this? What are the pros and cons? Thanks to all in the past for helping me and I hope someone can shed light on these outstanding issues that I have. All the best Swash Edit/Delete Message

Hi All, Have just received my Notice of Transfer of Proceedings and the allocation questionaire from the court regarding my case. I have until the 20th August 2006 to complete the questionaire. Would appreciate any advice on the following issues I have. 1) Is it quite common to pay an additional court fee (having already paid c.120GBP on MoneyClaim)? 2) Secondly should I wait for DLA solicitors to offer me a settlement? To date none has been forthcoming. 3) On the allocation questionnaire The first section asks do I wish to postpone any further action so that you and the other party can settle the claim? Should I do this? What are the pros and cons? Thanks to all in the past for helping me and I hope someone can shed light on these outstanding issues that I have. All the best Swash

Yes I have stated the particulars of my claim via the moneyclaim website. From searching the posts on this forum I will have to send a copy of my spreadsheet to both DLA and the Court. I Will keep everyone posted. Swash

Hi all, I hope someone can help me. I have completed the following steps: 1) written to Cahoot three times about unfair chances. 2) requested my bank statements 3) completed the spreadsheet of charges incurred 4) submitted my claim for £1,170 + £330.11 in unfair charges + interest over the past five years. Now this morning I have received a letter from Cahoot's legal representatives which states they are preparing a defence and that I have provided no details as to how the total sum has been calculated and that they have requested that I provide them details of my calculation. Is this a scare tactic? Am I obliged to provide this evidence at this stage to Cahoot's legal team or wait until the case goes to court? Hope somebody can advise. Swash

Hi all, Firstly let me tell you how greatfull I am for this forum for the help and support it provides. Ok the story is I sent Cahoot the initial letter requesting repayment of the bank charges on the 29th April 2006. A couple of days later I got the standard letter saying they will not cough up the money and that I am entitled to move if unsatified. Anyhow, I sent the DPA letter next on the 15th May 2006 and low and behold they have sent me my statement for the last four years. Trouble is what should I do next? Write another letter requesting my money? Any help would be much appreciated T

Many thanks for the quick reply, I'm hopefully looking to resolve the excessive charges that have penalised me over the past 4-6 weeks but as to whether I would be prepared to take them to court I would not be able to bear that cost at this particular point in time. First port of call is to send the letter contained in the library area of this forum and see how it goes from there.