Still heard absolutely nada. With the OFT issue am I likely to hear anything at all?

Received a letter today offering the full outstanding amount, plus 8% statutory interest and court fees. They claim they will send me a cheque within the next 14 days. I don't really want to cancel court proceedings until the cheque is cleared and in my bank, but the deadline for their defence is also only 14 days away. Any advice?

Received a copy of Cobbetts' AQ today (hardly strike fear into my heart when they don't put anything at all in section G!) but still nothing from the court yet. Must.....be....patient!

Thanks again Hedgey, you are a star! After trawling through carrier bags of old statements (mrs rpgsx3r isn't as organised as me, but she is a hoarder!) I can now tell that we're only missing around 18 pages out of 300. Mrs rpgsx3r isn't too keen on going through with court action vis-a-vis the Data Protection Act, so I'll give it another week to see if the missing statments come through before sending the Prelim.

Received a ltter on Tue from NatWest saying statements are to follow. Today some arrived - from 2001-2002, so still missing 4 years worth. However, I do have a question about what can be reclaimed. My wife had an Advantage Gold account (and I assume she cannot reclaim the £6 monthly fee for this?) and was charged £14 on several occasions as an 'unarranged borrowing fee' when she went beyond her agreed overdraft. Presumably this can be reclaimed? There are other referral fees at the usual £25, so naturally I'll be reclaiming those. Edit: Also, I've just noticed a 'Loan Fee' at £63.46. Should I be tring to reclaim this?

Yeah, have checked those out. I guess that's the only way to proceed.

Little update. Been a little delayed with this one as I'm dealing with several other claims too. I've cashed the cheque and stipulated it is accepted as part payment only. The N1 will be posted tomorrow.

Ok, template letter 2 was sent and still there has been no response. It is a concern that the missing statements are from when my wife's account was in her maiden name, but I really can't see why they won't send the statements from then. I have asked that if they require any info as to identity that they say so (as per the templates) but I have had nothing back. I suppose the only way forward is to go to court over the S.A.R - (Subject Access Request)/Data Protection Act? Is it worth going down the Information Commissioners route, or is this just likely to delay the process? Have others had any success with a court action? And are we really looking at several months just sorting the Data Protection Act, before several more months with the claim? It's infuriating that NatWest simply do not comply with the DPA!

Thanks again. I've got everything together and am submitting to the court today. Just to double-check; I should also send a copy of each of these documents including the AQ to Cobbetts, right? After this I assume I must send copies of all the statements to both the court and Cobbetts too? Anything else need to go with those? I already included the T&C with the original claim.

No, I've not posted it yet, I plan to deliver by hand anyway, and have a couple of days yet. Yes, the location of those items would be great Also, I didn't realise that I also have to send a copy of the AQ and attachments to the defendant!

About to send my AQ off today (deadline 9/7/07), but I have a quick question. Is this (from the template library) only needed if the claim is above £5k? Would it be worth using some of it to highlight the current situation anyway, or best to just omit it completely as my claim is under £5k?

Phew! Thanks for the reassurnce, it helps a lot! I must admit, after seeing others had received a similar letter I was a little more relaxed too. It doesn't help that a family member is worried that it's got to this stage and thinks I should have accepted the offer, but I was determined to stick to my guns! I think the letter makes a lot of sense, thanks for the template, though I won't c&p it wholesale - Cobbetts might not appreciate it!

Although Natwest have only offerred me the charges (not fees or 8%) I have received a similar defence. Is this a standard defense/response?

Could relly use some advice on this! I'm worried that I may have made a mistake and will totally lose out, though why they'd offer me the total charges in this case I'm not sure!?!?!?! Anyone?

NatWest Current Account 19/4/07 - Checked statements. Owed £1237 in charges. 19/4/07 - Phoned Natwest and asked for money back - no joy. 19/4/07 - Sent Prelim letter based on template. 26/4/07 - Received 'looking into it' letter from NatWest 03/5/07 - Sent LBA 21/5/07 - Submitted N1 form at court 05/6/07 - Received Acknowledgement of Service from Cobbetts 07/6/07 - Received Notice of Issue from Court 08/6/07 - Received Defendant's Acknowledgement of Service from court 09/6/07 - Received offer from Natwest to pay me 100% of charges 11/6/07 - Offerred to accept charges+court fees 19/6/07 - Received defence from Cobbetts Ok, I sent a letter saying I would accept charges plus court fee but have received a response saying that their offer was the only one. I have also now received a defence from Cobbetts, so looks like I'll be going to court! The gist of the defence seems to be that "the particulars of claim do not discolse reasonable grounds for bringing a claim against the defendant to recover bank charges" and that "if the claim is not properly particularised then the defendant will apply to strike out the claim and/or for summary judgement in respect of the same." The defence also states that "on allocation the defendant invites the court to direct there be a case management conference in order for the court to consider the making of appropriate orders to give the claimant the opportunity to properly particularise the claim." There is more, but it seems asthough it's long the same lines. Where do I go from here? What are my obligations at this point? Should I receive information from the courts as to what happens next? Seems to be getting particularly serious now!