cheers dude...think i filled in the rest at 2,000 interst free, and the interest they owe me went down to zero!!! so i guess i dont need that section at all! thanks for your help though x

thanks...but i think i know which charges to put in just not sure if it matters that i can't fill in this column all the way through INTEREST FREE OVERDRAFT (ENTER AS +) ?? anyone??

hey thanks for answering, but my spreadsheet, the complex one...has a space for date, interest charged, balance at time, and a space for what the interest free overdraft limit was! DATE PENALTY APPLIED DETAIL OF PENALTY PENALTY CHARGED CUMULATIVE PENALTIES CHARGED INTEREST DATE INTEREST CHARGED ACCOUNT BALANCE AT INTEREST DATE INTEREST FREE OVERDRAFT (ENTER AS +) INTEREST ON PENALTIES see?! erm (i cut and paste the top row of spread sheet...but this site, just turned it into a list..anyway those are the columns at the top of the spread sheet!

ok, so i have added the interest charges to the spread sheet and next to some of them, i have put the amount of interest free overdraft i was allowed at the time...but in the others (where i don't know the answer) i have left the cells next to the interest debits empty! If anyone thinks there is anything wrong with that please speak up...otherwise, its going to be posted! thanks for your help people! x

I have debits for interest, where i am overdrawn, but on some statements it tells me me my rate for borrowing up to a certain amount...on others....it doesnt tell me what my limit was at the time! not even near where the interest debit is printed...am i being dense?

hey guys...i am filling in the spreadsheet...but my bank statements don't tell me what the o% interest overdraft limit was for some periods...where can i get this info...or can i leave it blank??? thanks in advance...oh and is it best to claim seperately for a natwest credit card and a current account? or do them together? x

Thankyou kindly!

I am english, i live in england now, but i opened the account i want to claim charges for, in edinburgh, and lived there for four years, but then came back to live in england. My sort sode on my account is the edinburgh one, and always has been. Does anyone know which instructions i should be following? english, or scottish? cheers

so i have already got the amount for my current account and about to send the first request for a refund, but i think i may have charges on my credit card account too, is it best to do them together or separately? thanks!

Hey, I am new here...I sent my prelim letter to natwest and recieved my statements, but no acknowledgement of the question regarding manual interventions. Is this sufficient to show that the charges are unlawful, or do i need to ask them to reply to this question? Thanks x