I have sent my second letter a week ago, not had a reply as yet. What I am concerned about though is that my charges have gone through the roof since my first letter in May. June I was charged £180 and July £114 for card misuse fees. I had never had these fees applied to my account before. Is this victimisation since I wrote the first letter? One of the charges was for a card misuse when I took £10 out of the ATM, but I checked the account on the ATM and it said I had funds avail, so surly I can not be charged for this if their computers were not up-to-date. The ridiculas thing is the £38 charge I received for this then took me over my limit and two DD's I had come out after that (Totalled less then £30 ) were both subsequently bounced and charged a further £38 each. I am now over £100 over my limit, basically because I took out £10 to get petrol. Now I don't have that £100 to pay off my credit card this month and so they are going to pile on more charges. Moderators - Pls note my comp crashed when I first posted this, so it may appear twice - sorry!

Interesting reading how Natwest go about things. I have sent my second letter a week ago, not had a reply as yet. What I am concerned about though is that my charges have gone through the roof since my first letter in May. June I was charged £180 and July £114 for card misuse fees. I had never had these fees applied to my account before. Is this victimisation since I wrote the first letter? One of the charges was for a card misuse when I took £10 out of the ATM, but I checked the account on the ATM and it said I had funds avail, so surly I can not be charged for this if their computers were not up-to-date. The ridiculas thing is the £38 charge I received for this then took me over my limit and two DD's I had come out after that (Totalled less then £38) were both subsequently bounced and charged a further £38 each. I am now over £100 over my limit, basically because I took out £10 to get petrol. Now I don't have that £100 to pay off my credit card this month and so they are going to pile on more charges.