Many thanks for that, and congratulations too. I'll not need to adjust the 6 years so that's ok. I think that I shall draft a small letter on the lines of "I'm sorry that there is little you can add constructively and shall therefore be submitting a claim to recover these charges" Your Sincerely Mr Vileda

Hi all, I got as far as the stage where I had to submit the moneyclaim/N1 form when I ran out of money and loads of other stuff happened (I'm going to be A DADDY ). I'm now in a position to carry on with this but am not sure if I need to start again with the prelim, lba or if I can take the "I regret that there is little I can add constructively to my last letter" as final and just go ahead with the claim. Thanks. Vileda

You could send them back to your local branch with a (very very) brief covering letter along the lines of Your Account number Sort code "Return of cheque" And leave it as that.

Have a bump on me I'm interested in this as I'm submitting a claim as soon as I've scraped enough cash together. Thanks Vileda

Hi all, Things are moving much quicker than expected. Received the standard letter below today; OK, this tells me nothing apart from thI'm not getting my money back without taking it to court. I'll complete the moneyclaim/N1 when I've gathered enough money together.

Thanks for that, I think I'll send it to either the Triton Square address or my local branch as I don't think that you can send mail recorded delivery to a PO box. Thanks again

Hi again, Can someone confirm the correct address to send the Prelim to, I've got either of the following which I think is the registered company address Abbey National plc. Abbey National House, 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom Or Mortgage Appeals Officer, Abbey, Abbey House, 201 Grafton Gate East, Central Milton Keynes, MK9 1AN. Thanks. vileda

Hi all, I've been reading with interest that the Early Redemption Penalties/Charges are also reclaimable and am just about to start a claim for my £1386.18 against the abbey national which dates back to November 2004. Many thanks to Zoot for publishing some amazing templates. vileda

Received the standard "We believe that our charges are fair, reasonable and transparent" letter from Stuart Higley (although the signature looks nothing like that name ) So I'll be sending the LBA back to bisgopsgate in the morning. I've added another £28 charge and the interest on my statement this month and will send a revised copy of the spreadsheet with the LBA. Looking forward to the next fob-off letter, I just need to research whether there's any benefit to completing an N1 form rather than putting in an online moneyclaim.

When I worked for Littlewoods, NDR (Nationwide Dept Recovery)were a department of littlewoods not a seperate company. Vileda

ta, Standard letter from templates sent asking for my money back. I'm due for another charge to go on at the end of this month, am I right that I can keep adding the interest and any extra charges to my claim right up until the moneyclaim. Thanks again. Vileda

Ok. Charges (not AAG) = £1339.00 Int on Charges (not 8%) = £ 319.58 Total = £1658.58 If NatWest don't settle before the moneyclaim then this goes up to a whopping £2190.63

Just totted up my charges and from March'01 to now there was £1339 of which most was between Mar'01 and Mar'02. I'm fairly sure of the next steps, (send Prelim Letter, Send LBA etc) however I'm a bit wary about the interest which the spreadsheet is calculating, this looks as though it's going to be huge as I've generally lived in my overdraft for the last 5 years. Can someone confirm that if I had charges of £1100 by date x and my od was less than 1100 since then, then all interest charges would be reclaimable? This is just an example but that's the way I'm reading the spreadsheet. Vileda

Hi again, Just received a call from mrs vileda that my statements from Dec'99 have arrived in a tatty brown Envelope which was splitting under the amount of statements forced into it. As I sent the S.A.R - (Subject Access Request) to Bishopsgate I guess that this is Head Offices preferred method in the hope that the statements will become parted from the envelope thus buying them more time. I was hoping for the other 7 years worth as well but nevermind that'll do for now. I've got enough paperwork to get through to keep me and excel busy for a couple of nights .

Oh well, that's one week with no reply. During the last week I've noted that the courts are getting a bit peeved with the banks playing the system. I've also started thinking that as they're playing the game they must know that the charges are unlawful and as such are deliberately trying to mislead people. If this is the case does it then mean that I can ask for more than the 6 years worth back? (sure I read this somewhere but can't find it again) If I was to chance claiming 12 years back (knowing that the last thing the banks want is to go to court) what could be the worst outcome, could the whole claim be thrown out, or would Natwest just cough up rather than going to court? All purely hypothetical q's while I wait for the statements. Vileda. P.S. thanks for a great site

Hi all, I was reading this site thinking, "my god I've paid a fortune in the last 14 years that I've had a NatWest account" when bang, a letter charging me £28 for going over limit for 1 day comes through the letterbox. So yesterday 09/09/06 I put this in the post. Then I realised that I'd asked for 14 years of Statements which made me nearly forget that it cost me almost £5 for a special delivery. I'm thinking that the rest of this should go as follows. Statements received eventually (hopefully in one piece) Send a Prelim letter (without interest) to which I'll get a go-away letter Send A Letter Before Action (LBA) letter to which they'll do the same File a moneyclaim Have to repay Overdraft as they'll close my account.(this could apply after point 2 or 3 ) Natwest submit a Defence Reply to non-applicable CPR18 letter Wait Say thank-you to the money or go to court and read out the statements made in the previous 3 letters How does that sound? MODERATED: Letter templates are available in the templates library for registered users only - please do not post them here.