Hello all, I am currently taking Nat West to Court for appr £4500. I've been asked to send the CPR Part 18 request but along with that they have said: "In relation to the case of the Claimant that the charges are unreasonable within the meaning of section 15 of the Supply of Goods and Services Act 1982 (SGSA) the Defendant pleads as follows: The claimant is required to plead and prove the necessary factors (referred to in section 15 SGSA) concerning the contract between the claimant and defendant which mean that pursuant to SGSA section 15 there is an implied term that the claimant pay a reasonable charge for the service under the contract. Furthermore the claimant is required to plead and prove a) that the bank charges which have been debited are unreasonable b) all facts and matters relied upon by the claimant in support of this case and c) what charges would of been reasonable". What do I need to do here? Do I just quote the office of fair trading regarding not making a profit out of these charges? It also says at one point what charge would I deem fair?! Any help appreciated! Thanks for all your help so far! :o)) Fleur

I am being told by Nat West there is no way of finding out what my overdraft limits have been beyond six months?! Is there a specific department to speak to? Aaaargh, driving me mad Nat West are

I have just finished entering all the figures and looks like I'm claiming just short of £4000 from Nat West, they're going to love me :o) I've been heavily into my £1600 overdraft for most of the last six years but I am slightly confused about calculating the interest I should be getting back on penalties. In the spreadsheet I downloaded from the templates area, there is a column in the Charges and Interest tab saying "Interest Free overdraft, enter as +". I have never had interest free overdraft so when I enter my figures leaving the column blank nothing appears in "Interest on Penalty" column. My overdraft is always into £1600 and charging interest, so should I enter this as a -1600? If I do, a figure appears in the end column. I want to make sure that I'm putting the absolute max down, so if I can apply to have this back, I will :o) Any advice greatly appreciated!