thanks parkvale will try and keep on top of it this time

its a long time since i was here but good to see people are still winning. i sent my lba some time ago but for a number of reasons have not been able to follow up with court action. could anyone tell me if i have to start the whole process from scratch, and if i can add on recent charges to my original claim if i do not have to restart. thanks

only for about a second, and i think my luck may be changing as it is a step account but i will keep an eye on it

as i have been busy with one thing or another am only just getting round to sending off the mcol paperwork i will try and keep updating the progress of my claim. I dont know if its because i'm claiming against them but natwest have paid a d/d which made me overdrawn without charging me, although a couple of months ago they would have bounced it and charged me, is this a ploy to make me feel guilty and stop my claim.

Thanks deller1, letters printed and envelope about to be addressed

Recieved letter offering half of what i'm claiming yesterday, so today will send the "thanks but no thanks" letter and see what happens. Although the letter was signed for s. higley it came from borehamwood. Am i right in assuming that the reply should be sent to borehamwood, or should i keep everything going to bishopsgate. I realise that this has probably cropped up before but i have read so much my head is spinning.

Thanks katesage and congratulations on getting your money back.

Thats great, thanks for your advice i think i will give them 14 days, as all the other details were correct and they do have my account no if needed

Reference the above post, can any one advise me as to wether i should wait for the 14 days from the original letter to see if they reply, or send the amended one, as i don't want to give them a reason to throw my claim out of court if it gets that far.

Sent lba on 06/11, but when i just looked at my saved copy realised i had dated it wrong so will resend tommorrow hope it doesn't confuse those nice people at natwest people.My own fault guess i shouldn't try writing important letters in the middle of the night. I will keep updating this just to keep an eye on the timescale, and to keep me on the right track.

sorted, thanks for that

Hope someone can help me. I recieved the no chance letter from natwest today, (only took a week) which surprised and worried me a bit in it they mention that my account is a "step account" with no facility for an overdraught does this affect my case? The other question is as i am not overly familiar with computers how do i find the start of my thread instead of having to search through pages of messages? Thanks for any help or advice

Thanks one can always hope but i wont hold my breath

At last got started prelim letter sent 17/10 (recorded delivery) suppose its just a case of waiting for the "no chance" letter now.

Thanks for that will get onto it now and put it in post today

After being charged £38 for the return of a £10 d/d which put me £3 o/drawn, and getting the usual "sorry can't help you", on the phone. Have decided to take the plunge and try to get all my charges back from nat west. I have prepared the prelim letter, but even after reading through as much of the site as i could over the last week or so, i still have a question, When sending the list of charges with the prelim letter do i need to use the spreadsheet or can i just list date, reason, amount? Sorry this is so long winded and apologies if this seems a simple question. any advice most welcome