Cheque (£2.8k) dated the 11 of December and received on the 28th. Put in on the same day and finally cleared today. Amazing length of time!! Keep on fighting all of you. Am now helping friends with recovering charges.

Keep going Cerise, it will all be worth it and soon you will be celebrating New Year. I know its all very stressfull and this is what Cobetts work on so that you fall and accept an offer lower than what your claiming.

AMB was dealing with my case. It took a month from Cobbettts/Natwest agreeing to pay in full to actually receiving payment. Leaving it till the last minute to pay me. It then takes 5 days for their own cheque to clear!!! In that time I had no choice then but to prepare my case for Court. It would be useful if there was a standard template to follow for Court preparation as I found this to be the most difficult part to prepare, the Court Bundle though helpful is not very specific. AMB proved to be very nice to talk to on the phone and I would recommend those of you at the stage of waiting payment ring regularly to chase through. I was even wished a Happy New Year. Which of course I will, having now received cheque for £2800.

Martin3030, I'm struggling with finding this witness statement...??

Merry Christmas all. Could someone help me here please. I am compiling my 'bundle' for the Court as requested by the Court Orders one question asked is " A statement of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise" What is this all about? Is this supposed to be something I pull together in a summary from all the legal material I provide? Is there a template for this?

Their offer letter is for the full amount I am claiming. They asked me to send to the Court Notice of Discontinuance (which they had attached to their letter for me to do). I have replied accepting the offer but not willing to send Notice of Discontinuance until paid. I have sent letter to Court today explaining situation and asking them what I SHOULD DO!

I have had to send letter to Court asking what to do next....Natwest have agreed to pay but not sent cheque yet and time is running out for me to have to send in all gumf to comply with Court Order. Have asked the Court what I should do and sent with letter copy of Cobbetts letter stating they will pay up (just when is the question?). I'm jsut wondering if this is yet another Cobbetts tactic to dissuade or maybe NatWest don't want us all to have a fun Christmas (at their expense)... Advice would be appreciated. Has anyone experienced this before?

Well done..I have had to send letter to Court asking what to do next....Natwest have agreed to pay but not sent cheque yet and time is running out for me to have to send in all gumf to comply with Court Order. Have asked the Court what I should do and sent with letter copy of Cobbetts letter stating they will pay up (just when is the question?). I'm jsut wondering if this is yet another Cobbetts tactic to dissuade or maybe NatWest don't want us all to have a fun Christmas (at their expense)... Advice would be appreciated. Has anyone experienced this before?

Hi Allyxia, Thanks for the welcome. I'm just at the stage now where i'm waiting/hoping for the cheque but it seems Cobbetts are (see my first message) being deliberately slow in sending this..thus making me have to do all the work with providing the Court all the details to ensure my claim is not struck out. Having lived in South Wales for 7 years in a small village you never know I might have heard of yours.

I think the Court also needs to be aware that they have offered me a full refund...and that I've just not received it yet. Do you think this is another tactic of Cobbetts, hoping that I will not proceed? Have they used this tact before...offering full payment and then not doing it?

Oh right...sorry that seems such a long time ago...I used a format from the other help site. Asking for a total refund of illegal charges, specifying date from to when these charges were made. Though I did add to the end 'as a gesture of goodwill I will not be claiming interest'. All I want is my money back!

Poc???

Deller1....Many thanks for this...this gives me the boost I needed to fight on.

Hi all, I am new to this site, was using BankChargeHell site but for unknown reasons this site appears to be in continual maintanence mode, does anyone know why??? My claim is at the stage where Cobbetts have sent me a letter saying their client will pay my claim in full, but it will take 14 days. 14 days is up and no cheque received. They also wanted me to send Notice of Discontinuance to the Court. This I said I would do when I received cheque. With No cheque obviously the claim at the Court has continued and now I've had the Order from the Court to provide schedule of charges, copies of all statements, statement of evidence that the charges are irrecoverable as penalties and copies of decided cases and other legal material. If I fail to do this the claim will be struck out! I have left a message with Cobbetts requesting info.as to whether they are paying or wishing to defend now. No-one has got back to me. Should I send a letter to the Court explaining the situation? I could do with some advice please?