I think the thing thats annoying me is the doubt in my mind whether I will get this money or not.
I feel reassured by what you've had to go through and I do feel that Natwest try to take you to the limit to make you back out and I'm not going to do this but if I get this money back it will solve a LOT of my problems!!
I shall persevere with it and go through my pack again tonight so I may be bombarding you with some questions tomorrow!!!
Did you actually have to GO to court? At what point did they pay up for you? Have they tried to close your account?