Thanks Unclebulgaria, I did this in the first instance but without enough clarity of the exact date I left the property apparently. Time to start again and get the official letters I guess. The bank told me changing my address would cover the policy too and the insurers subsequently used the banking address to get in touch with me. My negligence but I expected they would do what they said. Thanks though; you have given me the push to begin again.

I changed my address with the bank that sold me a home insurance policy and they continued to charge me, I wrote to question this and they demanded proof I had moved despite my accounts being changed. They continued to charge me. The term expired eventually but I want the premiums refunded. What can I do? I've written again to no reply? Is there a letter to send or a court proceeding I need to set up. Please advise.

Aye, sorry - London. Admiralty and Commercial Court. The Strand.

Do you think I can sit tight and wait for them to come to me? Seems logical.

My case has been transfered twice and Ive just received a letter about the hearing in 20th February. 2007 FOLIO 148. Written views by the 14th - Valentines message to the Court!! Anyone else with me ?

Small Claims Hearing - 20th February, 9.30 am. Mercantile Court The Strand. Any one else coming?

I too have had my case refered to the Mercantile court in London - 6QZ81504. Am just waiting patiently but it seems its dragging out for many people. Any indications of how this might pan out?

Much silence from both sides. The case has been allocated: District Judge Zimmels of Lambeth Court has ordered my case trasfered to the Mercantile Court...... Any comments or similar experiences?

Got Cobbetts Allocation Request throught the post. Mine is up to Court on Monday.....Playing the last minute game.

Are there any vital statements I need to add to the Allocation Request??? Anyone?

Just got an offer of £900 as a good will gesture from Cobbetts and the case questionnaire and defense through Lambeth Court. It will charge me another £100 and I have to respond by 8th January. Cobbetts offer extends to 4th January and they insist confidentiality and full and final settlement. I guess this is a regular stalling tactic? Any suggestions on how to proceed?

Got Cobbetts defence and request for further information dated 11th November. What, exactly is CPR Part 18? They request account information and following my claim 'the charges are a disproportionate penalty and therefore unenforcable as they are contary to common law' they want specific clauses and "whether the charges applied were due to a breach of contact by the claimant" and in each case the particular breach of contract (by reference to appropriate terms of the contact) that the charge related to." Also "Please specify all of the facts relied on by the claimant in support of the contentions ('the charges are invalid under the Unfair contract terms act 1977 s.4 and unfair 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') and to "identify the contractual provision(s) that the Claimant alleges are invalid by reference to UCTA/the regulations." Can somebody clarify what exactly they want? I have a detailed list of charges but the latter information I dont. Where can i get the exact and relevant texts? Help!

Nothing from the bank directly but recieved an Acknowledgemnet of Service for the 21st...by Cobbetts signed Lyndsey Burgoyne. 28 days more to see....

Submitted a claim through MCOL. No word from Natwest I dont feel the need to inform them of it, directed to the registered office on Bishopsgate they can figure it out. More awaits I presume. If they hadnt charged me all that amount of penalty charges I would not have slid into their debt in the first place. ****ers.

A question on how to proceed.... Natwest reponded to my rejection letter and said I would hear by the 2nd November - nothing yet. Should I just go ahead and file charges now - Sunday 5th, whether or not something comes in the post tomorrow? Any sound advice welcome. Seems either that or send another letter including a demand for interest and demand an immediate response? Thanks Newliberia

Today I recieved a very prompt reply informing me that my complaint was to be refered to the Customer Relations Unit where they are 'more experienced in this area of the business' and 'will do thier best to resolve [your] concern...to your complete satisfaction. Sounds nice really. They supplied me with 0845 numbers to call if I require further assistance and a direct number the the member of staff who signed the letters. They are to be in touch within ten working days....I gave them until 2nd November. The letter is dated 20th October. Patience. I imagine to hit a brick wall soon.

Sent a letter requesting £1466 bank charges on 4th October. For some reason I filed my bank statements for the last five years most often unopened. Today i got my reply - they have offered £355 pounds as a goodwill gesture believing that their charges are ' fair reasonable and transparent'. They 'consider the amounts debited to your account...strictly in accordance with your agreement with us' and 'complies with all applicable laws and regulations'. They include a bit of blurb about the Office of Fair trading invetigation into credit card charges and that they 'do not accept their findings to credit card fees'. All hot air if you ask me and it makes little sense in light of my request to get my bank charges back; in fact bears almost little relevance atall and appears purely misleading. In their words 'my complaint is [not] resolved to my satisfaction' so .... on to the next step.... Got this response from a trusted CAG user Sufilala : accept their pathetic offer... as part settlement of the full amount, then drag them through the courts til you get full satisfaction do you reckon they'd let you off if you offered to cough up $1000 short of what you owed them? So on I go. Replied respectfully declining their offer but will accept the money offered as part payment only. 16 days more.

have done exactly that...thanks for the useful templates.

Just recieved a response - they have offered £355 pounds as a goodwill gesture believing that their charges are ' fair reasonable and transparent'. They 'consider the amounts debited to your account...strictly in accordance with your agreement with us' and 'complies with all applicable laws and regulations'. They include a bit of blurb about the Office of Fair trading invetigation into credit card charges and that they 'do not accept their findings to credit card fees'. All hot air if you ask me and it makes little sense in light of my request to get my bank charges back; in fact bears almost little relevance atall and appears purely misleading. In their words 'my complaint is [not] resolved to my satisfaction' so .... on to the next step. I will seek other similar experiences from here and try to anticipate the next communication from them. Any information of course gratefully received. Thanks indeed to Natweststaffmember. I checked the links, not fully but will continue.

My request was sent on 4th October for the refund of £1466 charges over the last five years. Am awaiting any response.... yours Newliberia