Hi deller1, I am at exactly the same stage as you - my claim was acknowledged on the 4th October as well! Prehaps we can help each other along the way and compare notes?

Okay, recieved notice of issue from Northampton County Court, Natwest have until 21st October. Bit worried that Natwest are being naughty: I paid the court fees of £120 using my Natwest account which showed up on my online statement and left me with no money in my account (which is what I expected). After checking my balance today the £120 payment to MCOL has mysteriously disappeared and I have this ammount in my bank account! Will this affect my claim as now I have potentially over stated the ammount Natwest owe me? Help please!

Okay, have got to the MCOL stage. Total including court fees and interest is £3813.75! Do I need to send a copy of the charges anywhere yet, or just sit tight? Please could somebody buddy-up with me as this is the 'scary' part!

Okay, just an update on where I am: Sending LBA on Friday as I'm on holiday the following week and want to file the claim at court as soon as I get back. Recieved the following letter on 6th September from Emily Cox (after the 14 day initial deadline): 'Thankyou for taking the time to tell me about your concern. All concerns are important to me' etc.etc 'I am not yet able to answer your concern fully, as I need to look into matters further. I will contact you again within the next 10 working days, either with a full response to your concern or to update you on the progress that I have made' and so on... Is this a bog off letter or something different? Also, it's from a different address to the one I sent the pre-lim' letter to - should I send my LBA to this address, or the original address I was using? Thanks!

Ok, recieved my statements on Tuesday morning. I'm still missing approx 2 years of statements, but am sure that these don't include any charges so have sent preliminary request for payment of charges for a shocking £3247.85! In one week alone there was over £400 of charges! Will keep you posted as this progresses!

Hi Simden, You'll find them in the templates section below: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

I phoned them and asked about the missing statements, they said they would re-order them for me and not charge again. After a short discussion we agreed that I would wait until Wednesday and then re-order if they havn't turned up. I will wait and see if the cheque gets deducted from my account before phoning to get the £5 back. By the way, the lady on the phone went out of her way to be very polite to me - over polite if that's possible! Natweststaffmember, do you know if it flags up to customer services about the SAR request? I'm sure all Natwest call staff are friendly, she just seemed over friendly!

Recieved a few statements today, however only 23rd July 2002 to 4th October 2002. They have charged £5 from my account for these as well! No sign of the £10 cheque being cashed either. In most peoples experience, will they now send out the rest of the statements shortly or have they messed up at their end? Thanks!

Hi Carlyt123, who did you send your emails to? I have sent an email via the Natwest homepage, not too sure how long it will be before I get a reply and also didn't recieve any acknowledgement at my email address that the email was being dealt with. How long did it take for you to recieve a response? And is there anywhere where there is a contact list of emails? Sorry for all the questions, thanks to you or anyone who can help

Sorry to butt in on this thread, I believe that paid referral charges can be claimed back, can someone clarify this please? Thankyou!

Read the F.A.Q section first! Everything is explained in detail and step by step!

Thanks, I'll do this A.S.A.P!

Hi all, It's been 11 days since my subject access request was 'recieved' at Alex Lyons address. No cheque cashed yet or any sign of the information. I know that they have 40 days to respond, but should I be following up on them to make sure I recieve the info. or just be patient and wait? Just feel they may need a kick up the bum to move them along!

Good luck! I'm at the same early stage as you, been waiting 11 days for my SAR info. so far - can't wait for them to arrive so I can get the ball well and truly rolling. Let's see how we get on!

Hi Hannah, When you come onto the Natwest part of the forum, at the top you'll see a button to click on that says 'Start New Thread'. Click on it and put a title for your thread e.g Hannah Vs Natwest. Then put the question you have in the message box. Also, have a look at the frequently asked questions section http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ and make use of the search facility. Good luck! Steve:)

Hi all, Have sent my SAR request today, so here we go! Just a couple of questions: Are all of the following classed as unfair charges ( this is taken from Natwest's latest rates and fees booklet ) Unarranged borrowing fee £28 Unauthorised transactions - unpaid £38 per item Unauthorised transactions - card misuse £35 per item Paid referral £30 ( max £90 in a calendar month ) Default Notice £30 ...also, when sending the request for repayment of charges do I need to send a breakdown of the charges i'm claiming? ( e.g the spreadsheet without adding on any interest? ) Thanks for any help and support, I estimate that Natwest have charged me 1000's over the past couple of years!