Is there anything proactive that can be done to avoid any of their delaying tactics that anyone knows of? I well expect them now to put in a defence 1 or 2 days before the deadline to force me into a position where I would incurr costs.

If I accept as part settlement: a) do they have the right to say no due to the proviso I make? b) does that mean closing this legal claim and opening another? Would I essentially be just sending them a reply letter reitterating my claim and seeing if they will pay the offered £570? There is no way I am settling for less than the sum of the charges through whatever processes.

Thought that may be the case. So far NatWest have almost taken the opposite route, being firm but concilliatory, upping their offer but not offering to settle in full. Lloyds TSB however have nothing to lose as I am no longer a customer. Adamant I will tough it out though, they stiffed me for long enough, now it's my turn, my legal costs will be negligible compared to theirs.

I have been following the process for reclaiming my charges against two banks (the other being Lloyds TSB for closed accounts) and find it interesting the approach is so different. So far NatWest have rejected my claim but offered £180 (on a claim approaching £2,000) initially on the first letter, and now on sending the second letter have increased this to £570. In accepting this I would accept charges are fair including in future (can they really do that?). I am not tempted to accept and want to gain the whole ammount; not leat as what they are offering is just over the value of cancelling overdrafts caused solely by charges. Really I wonder if this fits any known pattern and would therefore allow me to predict the next move from them when I enter the HMCS claim online. Thanks in advance for any help, and for the materials on this site that have helped me get this far so easily.

I have put in my claim against Lloyds TSB online for about £1600, after they rejected all other letters out of hand and said the matter was closed (for them anyway). I have entered via the HMCS Money Claim site, and this was served with the 14 days up on 4th November. Lloyds TSB have now acknowledged the claim so gain another 14 days. So anyone any experience of what I can expect next from Lloyds TSB? I must say so far they are acting differently to NatWest but my claim is slightly different, as with Lloyds it is for charges between 3 and 6 years ago on closed accounts, whereas with NW it is accounts still in existence. Any help greatly appreciated, as has been the material that has helped me get this far!