Hi ya, I got my charges back from Natwest last year after going through the whole process of taking them to court etc, and for them to pay up at the last minute (taking 6 mths in all) so i told my sister to do the same as she had about £2500 in charges. She sent her letter last week advising she would take them to court if she doesn't hear from them and then received a letter today offer her £300 short of the amount - my sister is really skint so i going to accept this which is fair play. On the form she needs to sign and return it says the blurb about accepting the amount etc etc but then in brackets it says the following - (advantage packaged account fees, stopped cheque fees, interest and charges refunds already applied to your account will have been excluded as approppriate) does this mean anything? or can she just sign and return? many thanks for your help!

Hi everyone, I have now received an offer of £750.00 from Cobbetts (as expected) and states that they think i will not succede etc etc so I am about to send the standard reply that i will accept it as part payment etc. However, today i received a copy of the AQ that Cobbetts completed and in the other information section it says this - 'Case management directions cannot be proposed until the claimant serves a Reply to the Request for Further Information which was due on 17 November 2006. In light of this, the defendant may amend its Defence or apply to strike out. ' Are they talking about the CPR Part 18 request? because i responded to that with the standard letter stating that i don't have to, and you can see from a few posts up what they asked me - i sent them the list of charges again as well. is this standard for them and do i need to do anything? Many thanks!

Thanks Allyxia - you are right, it is nice to read about stories and other successes and it does keep you going! I have been reading your story too - good luck!

Thanks Tony - and congratulations on getting your money back from Natwest, hopefully I am not far off it now too!

hi, thanks guys for all your help! I couldn't find the CPR Part 18 letter in the template library but have devised this from reading other posts - is this about right? Dear Sir?madam I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc. I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative. Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account: Account Name: Account number: Sort Code: Please also find enclosed a breakdown of all charges I am claiming. Yours Faithfully

Thank you!

Thanks - you have been a great help! Sorry for another question but when I send my AQ do I need to send it back with my list of charges? and do I need to send a copy to Cobbetts?

Thanks Allyxia - i will get my letter typed up and will send recorded tomorrow when i can get to a post office. I've also received my AQ from the court, and it has now been transferred to my local court so i will send a copy to them indicating that i think it it intimidating - is that correct, or do i just send a copy of the letter i am sending to cobbetts? Am i able to pay my AQ other then by sending a cheque with it? Does anyone know this?

Can anyone help with my request in my thread rebecca-hvs. Natwest? Sorry i don't know how to link to it, but i am getting confused with the CPR Part 18 request!

Hi all, Looking for a bit of help, i have started my claim against NatWest and received the defence on the 28th day (no surprises there!) and they have now asked for the CPR Part 18, but there seems to be loads of things they are asking for, and i am wondering if still send the standard letter which states that i do not have to supply a CPR Part 18. I have scanned the letter in and this is what they are asking for? Is this a normal response? The first pages states the CPR Part 18 request and when i need to respond by. Sorry, I am a bit confused with all the legal jargon! If someone could point me in the right direction i would be grateful! The Request 1. In your claim you state: "Claimant is claiming the return of £1534.00 taken by Defendant in charges over 6 years". 2. Please provide the following particulars in support of your claim: 2.1 In relation to each charge please identify (a) the date when the charge was charged; (b) the amount of the same; and © the reason(s) given for the charging of thesame. 2.2 In relation to each charge, please clarify the following: (a) is it the case of the Claimant the same should not have been charged? (b) If yes; please explain why the Claimant contends that the same should not have been charged? © If no; is it the case of the Claimant that the same should not have been charged in this amount? (d) If yes; please explain why the Claimant contends that the same should not have been charged in this amount and identify the sum the Claimant contends should have been charged. (e) If no; please state the Claimant's case. 3. In your claim you state that "the Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law'. 4. Please provide the following particulars in support of your claim: 4.1 Please specify the clause(s) pursuant to which the charges were applied; 4.2 Please specify whether the charges applied were due to a breach of contract by the Claimant; 4.3 Please identify in each case the particular breach of contract (by reference to appropriate term(s) of the contract) that the charge related to. 5. In your claim you state that the charges are: "invalid under the Unfair (Contracts) Terms Act 1977 s.4 and Unfair Terms in Consumer Contracts Regulations 1999 Para 8. and Sch.2 (1)(e)" and "unreasonable within the meaning of the supply of Goods and Services Act 1982 s.15". 6. Please specify all of the facts relied on by the Claimant in support of the contentions in paragraph 5 above, and in particular please identify the contractural provisions(s) that the claimant alleges are invalid by reference to UCTA/the Regulations.

Hi, I started my claim against Natwest in July/August time, and am at the Moneyclaim stage, however I last received correspondance from Natwest a cpouple of weeks agao, and due to holiday and other reasons, I haven't until now had a chance to start my online caim. As it is now well past the 14 days I quoted in my last letter, and a while after they responded, do you think there will be any problems or shall I just continute with the claim? I scared they won't think i'm serious because I have taken so long. Any help would be greatly appreciated, thanks!