Thanks for your response. Would anyone else take Tomasz's view on the topic? Also do you think I should incorporate the fact that I have been charged before and successfully claimed charges back into my letter or not? Thanks again

Hello everyone, I am pleased to say I was successful with my claim against NatWest bank earlier this year. After sending the letter before action I received a full refund of charges against my account. As a student sometimes I don't always have money in my bank account and a debit of £34 was refused by NatWest, the money to pay the debit was in the bank 3 days later (max), as I said however the bank did not pay and instead made a charge of £38 to my account. Obviouslly I feel this is unfair and cannot believe that they appear not to have learnt from prior mistakes. My question though, is if I can/should claim again for this unfair charge, I know it may be seen as 'only £38' but for a student that's a hefty chunk of valuable cash. Anyway, to cut a long story short, I don't know whether I am now legally entitled to claim again for this new charge, after being refunded for the old charges earlier this year. When I got the letter earlier this year to say NatWest would refund my money, they did say they wouldn't entertain future claims for charges. Although I did not sign anything agreeing to this, or send a letter of acceptance back to them, they just refunded the money and this stipulation was an assumption of theirs. Any help much appreciated. Thanks

OK thanks. Right..I think I'm all set to send my second letter off to NatWest. The first letter was sent to my account holding branch, I received a response from the branch but it was from a specific member of staff. Should I send the letter to the member of staff or just send it to the branch as I did with the first letter? Thanks

Thanks for that... So I now need to add the 8% to my overall charges...and supply the updated claim amount with my second letter? Thanks again

Hello, I sent my preliminary letter off to NatWest on 1st August, it was received on the 2nd and I've received a reply today offering £38 as a 'goodwill' gesture. However, my claim is for £76 and so I will be trying to reclaim this amount from NatWest. I have been looking at the site and can't seem to find a template that is specifically for people who have been offered part-compensation after their first letter...if anyone could point me in the direction of such a letter template that would be great. Thanks Steve