Fair enough jonni2bad, I hoped that wouldn't be the answer Still going to ask for the full amount, worth a try

Thanks Steven4064: Section 5 says: An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued. To me the "date on which the cause of action accrued" could mean the point at which I took action and demanded the money back. Court action isn't implied (or is it?).

This is what I'm gonna say... Any thoughts? I refer to your letter dated XX Month 2008, which outlines a confidential goodwill gesture from Natwest to myself. You refer to a 6 year ‘limitation period’, and state that Natwest will not be refunding me (via a goodwill gesture, of cause) for the period Jan 2001 to July 2002. I have included some of the correspondents between myself and Natwest. You will see I originally put in a claim for the charges in February 2007 – so if you were to continue with this line, surely only one month is outside of the ‘limitations period’. I would like to point out Section 32 (b) of the Limitations Act 1980. This implies that customers would be able to have their bank charges refunded, dated back to when Banks started using computerised accounting. I do understand the olive branch Natwest have offered, and I do think more highly of them as a result. I believe I would be more inclined to accept an offer closer to the amount asked for (£Total) under the following terms: 1. Natwest may pay this sum directly to my Natwest Mastercard account, and they may even pay off the ‘purchases’ debt first before the ‘cash advances’ debt. 2. I will accept that the £50 already paid effectively covers the court costs. 3. I am happy not to disclose the gesture of goodwill to any third party – However, I do retain any rights given to me by law which supersede this point i.e. freedom of speech (Article 10, Human Rights Act 1998). 4. I will write to the court discontinuing this claim. I've left out some of the details so as I am adhering to Term 3!!!

Thanks WendyB and yourbank It is still Cobbetts LLP - the letter was very standard and they don't admit to anything. If anyone know's the legal basis of the 'limitation period' that would be great. Otherwise, I'm gonna try and blag it! I'll tell them the dates I put in the FOI and LBA ;-) I think I'd rather communicate with them by letter as I then have evidence of the discussions. Cheers guys, very helpful as ever!

Thanks for the reply Court claim for filed on the 4 August 2008. The £50 was paid to my credit card, and just thinking about it that was the difference between the OFT recommended £12 charges and £18 and £25 charges taken... so ignore that bit ;-) First claim - Feb 2007 LBA - March 2007 and second one July 2008

Ok, I have taken this to the county court system, Cobbetts sent a defence and I filled in a N149 survey. Cobbetts have now sent me an offer! They owe me £416 plus the £65 court fees, and with interest that comes to £593.36 However, they are saying they will not look at the fees from Jan 2001 to July 2002 because they are outside the 6 year limitation period. But they weren't when I originally made the request - does this matter? Also they are took off £50, which I was paid as compensation for Natwest charging me even after I'd set up a standing order and was paying them every month for 9 months! Can I dispute this? In all they are offering £373.36 if I agree to some terms - i.e. not disclose the fact they paid out. How binding is this? Sorry for all the questions - its all getting a bit legal now so I need help, Thanks.

LOL! yeah, I just read what I wrote... ah the joys of dyslexia! Having now read your thread, Moc1982's and Irishrose's its answered my question. But seriously there is still no need to get sarcastic and offensive. I don't have time to read every single thread every day and can't always find what I want through searching, so I will need to ask questions which may seem silly to you.

Erm, sorry if I offended you some how Mistermind but I thought the point of this was to get support and to ask questions? I've not got this far before, and I'm not an expert so I will need to ask questions from time-to-time. Also I'm sure people will ask the same things - its the nature of the beast. I had actually searched to see if any one was in my position and wasn't being lazy, as you imply. Unfortunately, I hadn't found what I was looking for although I was sure I'd read about a similar letter to mine before so asked for advice. For this I am very sorry! Frankly, I'm not very impressed with your attitude.

Oh and the address was: Guy Harrison Egg Customer Relations Office Pride Park DERBY DE99 3XA

Got a letter from Egg today: "1. Your CC agreement with EGG clearly states that charges will be added to your account if you exceed your credit limit or fail to make your contractual payments... ...You exceeded your credit limit or failed to make payment on 23 occasions. 2. You allege that these charges are a penalty. you have put forward no evidence to support this allegation and we do not accept it. Egg recognises that customers sometimes exceed their credit limits and/or fail to make payment and has systems and processes in place to deal with this. these include the use of computer systems,staff and other necessary costs... ... These charges therefore represent a genuine pre-estimate of the loss caused to Egg by customers who break the terms of their agreement." They then go on to say that since they reduced their charges to £16 (even though the OFT says it should be £12!) they will pay me £4 (the difference) for the 15 times they charged me £20. This totals a laughable £60. Ok, any advice? I'm gonna write them a final warning that I'll start court proceedings in 14 days. But should I address their points too? has anyone had the same letter? I heard that Egg have been sending these letters out, you threaten court action, and they then pay up? Thanks

After searching online I found the direct number for Barclay's complaints Dept is 0845 6090806... Then I found the same number on the top of their last letter!!! lol Going to call them and see if they up their off to £835 (which is the total fees owed without interest), and if not i'll have a letter ready to go today to demand the rest.

Thanks torigirl... u've convinced me!

Hi, just a quick and silly question... which EGG address did you use??? Cheers buddy

So basically, I should really hold out and take them to court? I did read that a several people (with other banks) accepted the initial offer as a start but still press for the rest... But your saying they just say "see you in court" to that? I'm almost thinking accept the £630 to fund my two other cases with EGG and Natwest! lol... not going to thou.

Cheers Guys, that's all very encouraging. They owe me £835 which works out to about £950ish with the interest. I'd be more than happy with just the £835 at the moment. So I'm thinking If I actually call them (using the number on the letter) willl they actually negotiate with me??? Failing that I might write to them again and say that I'd accept an offer of noless than £835... Which would be cheaper for them in the long run, because if I persude this they have to give me the £950ish plus theirs and my court fees.