Hello and welcome I also have a Natwest loan - I asked for £678.85 in charges to be refunded - 1 prelim letter in April , 1 LBA letter in May and yesterday got an offer of the full amount from them - no mention of closing my account or anything to do with my outstanding loan with them. Good luck - it is scary to start with - but well worth it! Now just waiting for the cheque \0/ .... it will clear some of my huge OD! K

Hello 2 days after SAR deadline ran out - Today, Barclaycard return my letter with 'No Cheque Enclosed' written on it. funny that? How did they manage to cash it 4 weeks ago? *bangs head on keyboard!*

Hello there I applied for a loan of £2500 in September 2005 and like many others on here I was contacted by NR and told that would not be given the loan if I did not take PPI. The cost of the Policy was £518.28 plus £75.72 Interest making £594.00. I have written to NR asking for the money back using the template (which was a great help BTW) and just got a letter back today apologising but saying that the ONLY way I could get the cover removed is to open up a new loan agreement with them - I am confused and a bit stuck on to what to do now? I definatly don't want another loan with them. can anyone help with my next move? Kate