When do I choose to take them on at my local branch? I asked if this was ok to do as in, I haven't done anything yet.... it's where my account is based so I'd like to know if a court would frown on me pursuing this locally (is this really "appalling"?). My first claim I took to Customer Relations, but seeing as this is my second I thought a bank manager would see sense and save everyone time, money and hassle by just paying up.

Thanks, though I'm going to write to the manager 'informally' first if only to get an apology for the treatment i received that day. The whole incident made me realise just how manufactured and inpersonal banking has become.

I have previously (thanks to this site) made a claim against Natwest and won.... In the last week 2 charges were applied to my account... So I went to my local NatWest branch, armed with all my letters, documents, court claims and of course settlement letter from my previous claim. I asked (politely but firmly) to be refunded immediately. In not doing so I argued to them they would lose money through court costs etc. No such luck - they weren't interested. I asked for this in writing. This request was declined. In fact, I was told the police would be called on me unless I left the branch. Do I start ANOTHER claim? Can I do it solely addressing all letters and MCOL to my branch (because I'm really angry with them) or do I have to go through the impersonal head office?

There was no form. Just a cheque and a letter. I've written them a reply saying I've accepted the cheque, I retain my right to tell who I like about the case (they can't make you not tell anyone - it's MY money and I'll shout from the roof tops that I got back from them if I feel like doing so!!) and that I will advise the court to stop proceedings once the money has cleared into my account.

I'VE WON!!!!! 7 Days after MCOL was acknowledged, the RBS litigation sent me cheque for everything on the condition I waive my right to tell people about my claim - I THINK NOT!!! Thanks to everyone behind this site - been a great help. Point me to where I add a donation and I'll throw you 5% of my claim (which isn't that much - probably why I got it so soon!).

I posted about this the other day as my claim too was acknowledged by group litigation. Reading around it seems (I presume) what we are claiming is less than the costs Cobbetts would charge for the case. Hopefully inhouse defense will also mean we get our money quicker - apparently group litigation don't usually deal with court issues... i.e. I infer that to ultimately mean Natwest have no interest from the start in taking our cases to court.

Flippin' ek - i wish people would get off their 'look at me being cutting' puerile horses and try read things both properly and in context. Incidentally, Royal Mail return mail for free if it is undeliverable. If Orange informed you automatically that text messages are undeliverable I'd have no qualm here. Fact is they don't - you have to switch on delivery reports for the luxury of this service. I was put on to new "better" tariff after threatening to leave Orange. I did not incur any new charges for itemised billing nor delivery reports in the 1st month. Second month and onwards I've been charged for delivery reports. This to me is not on and must breach their side of the contract somewhere. I don't think it's any coincidence that the timing of delivery report charges comes in alongside their new parent company Wanadoo - who have massive debts to pay off.

Can you link me to a site that confirms this for me? Sorry I'm not convinced any other operators charge for delivery reports and Orange charging you 10p?? Where's that come from? Orange used to be free - I should know, I've been a customer since 2000. Orange have never charged for delivery reports before. Why some customers are now being charged and others not is a mystery (read the comments at the bottom of this page Weblog - Money - Times Online: New Orange charges: fair or foul? ) Also the service should be free. Why should I not be entitled for free to know whether or not a message gets delivered? I'm paying for a service and I should be entitled to know whether or not that service is correctly implemented. The actual cost of informing me is probably 100 times less than the 1p they want to charge anyway.

thanks for replying so prompt! I'm not particularly worried about my claim or who acknowledges it - though I would find it encouraging in terms of time to me receiving all my money back if NatWest wanted to defend it inhouse themselves.... role on the cpr part 18, I'm simply gagging to tell them I don't have to fill it.

I received my claim acknowledgement from the court today. On the address for which documents must be sent i.e. the defendent, it gives 'group litigation' under a City of London address. I was under the impression that I'd get Cobbetts like everyonne else? However my claim is under £500 so maybe they've seen sense to defend it in house.

I'm not sure you know what I'm talking about. No other network charges for delivery reports to the best of my knowledge. If orange have been charging you 10p for them, then you're being ripped off BIG TIME!

Orange have been charging for delivery reports (1p per report) since July 2006. At no point did orange inform me (or any other customers I imagine) that this would happen and I only noticed it after agreeing to renew my contract and looked at my bills. Nowhere in the T&Cs of Orange's contracts does it say it charges for delivery reports. Can I get out my contract charge free on the basis they have broken their agreement to inform me of new charges?

Claim acknowledged by Natwest on the 31/10/2006. 28 days to file a defense...

Some Staff at call centres seem to be quite sympathetic and supportive with regard to charges. One Natwest Credit Card staff told me 'it's totally disproportionate to the cost you incur to us - if you want to persue legal action then I encourage you to do so, you'll win, there's no doubt about that.'

have a look here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

^^^ look at the template on this site. After I completed my MCOL I sent my schedule to NatWest attached with a letter on the lines of 'This is to advise you I have now submitted a claim with the courts. In fulfilment of my particulars of claim and for reference I attach another copy of the schedule of charges I am disputing additionally including s.69 interest...' I have received confirmation from the courts that my MCOL has been accepted. Should I send them a copy of the letter/schedule of charges I sent NatWest?

Received standard letter from the court saying NatWest have until the 15th Nov to acknowledge court claim. My claim is under £500 - what can I typically expect from Natwest at this point? I see from most peoples claims they bring it right up the AQ stage, but most peoples claims are significantly higher than mine! I and Natwest both know it's simply not worth them taking the matter further re: legal costs. I think if they do I shall really have to consider if Natwest are capable of good fiscal planning and thus if I should even bother keeping my account with them

Sorry! As we all know, relationships with not very nice ladies (or gents) can provoke emotional outbursts in all of us...

Thought I'd let you know about my making NatWest my not very nice lady. Call to Natwest requesting statements: 13/09/2006 arrived nicely packaged: 20/09/2006 - I've never been charged £5 for this.... First Letter sent: 29/09/2006 Mr Higley replies stating he believes it's fair and transparent to take money from me and that credit cards are not the same as bank accounts blah blah blah: 03/10/2006 LBA: 05/10/2006 :grin: Mr Higley states he is sorry he cannot provide me with any more information as to why he doesn't want to be my not very nice lady: 10/10/2006 Write to Natwest telling them they have 14 days to reflect on their decision to refuse refund before I proceed with a claim via the courts: 12/10/2006 Mr Higley writes back with identical letter explaining he is sorry he cannot provide anymore information: 18/10/2006. 26/10/2006: Filed MCOL online.... the fight begins....;-) edited by Moderator: Please refrain from inappropriate language which may be construed as libelous on this site. Thankyou.

Brilliant! Thanks very much. Seems to me getting charged £30 a pop then reclaiming it a few years later with 8% interest is much better than any savings account around!

^^^ Thanks - but that's not what I meant.... In filling out the form I state I will be sending Natwest another schedule of charges. In this schedule of charges do I include s.69 interest for each item?

Been lurking here and finding this site an excellent resource! I'm now up to the stage of submitting my claim using MCOL. I'm a bit confused however about the schedule of charges I send to NatWest following my MCOL submission (as thanks to the template on this site it states that despite already including a schedule of charges in all my previous letters I will do so again) - do I NOW include the S.69 interest in this schedule of charges? Sorry if this has already been asked hundreds of times

Not at all. You can ring up NatWest Telephone Banking and ask for all your statements to be sent to you. They charge £5 for this service - quicker (and cheaper) than making a request under the Freedom of Information Act. I got mine within a week whereas I know other people wait much longer.