Has anyone experienced this company ? On the 26th April I applied for a loan on-line with a different company I then recieved an incredibly misleading text message with a link which gave me a page saying i had been accepted and saying about a fee od £67 payments would be about £10 a week which I believed was actually for a loan,when in reality all I got was a list of companies, once I realised this I sent them several e,mails via their contact section BEFORE they took the money from my card on the 6th May, On the site it says in order to cancell click on my account and then on cancell account .....This was not available untill AFTER they took the payment from my card, I immediatley did this as soon as that option came up and filled in a cancelation form AND a Refund request form this was on the 3rd May, It then took them another 4 days to get back to me and tell me to write a letter to request a refund evan though I had allready filled in a refund request online I sent this via recorded deliverey which was recieved into their office on Wednesday, I got a text yesterday saying that the letter was recieved and that they were looking into it, They got back saying that they had authorised a refund of £38.12 saying they had retained £15 for something called "Credit Cleaner" which I have never heard of nor do I have any informnation about it or know what it is ? and also £1 a day for being a Member and having acess to the site. I have got back onto them saying i want the other £29 back or i shall go to the fsa and make a complant under section 155 of the consumer credit act 1974 I was just wondering do I also have a case in regards to me contacting them BEFORE they took the money asking them not to and for them to cancel my account ? Also are they beraking any rules by not offering a "Cooling Off Period" ? If anyone has had any dealings with them I would be gratefull for any advice Cheers

Where Do I now Stand With Getting Charges Back From Unpaid dd's Where does the ruling Leave me with getting Money back from unpaid dd's? I have looked at the ruling but it doesn't seem verry clear to me I noticed something in one report about those on a low income being more likeley to be the ones getting charges could this be another option to follow? :-|

I got as far as sending the prilinmery letter to request charges back shoild i still send the letter before action ? or go streight ahead to the courts i also have a new £38 charge since my prilimerary letter what should i do about this?

Hi what is now happening with the test cases and appeals etc. i sent my initial approac to Nat west and they wrote back to me reffering to a "test case" being heard what is the current situation regarding charges and refunds? and what should i do next?

Hi I am going to try and take on Nat West to get My money back Where is The Best Place To start? Do i need to get a SAR or could i just get statements ? What adresses do i use? How complient are they to give back the money? anybody been sucessfull how long does it take on average and what stage did it get to before they gave in? any help would be apreciated cheers8)

Hi, I am going to try and take on Nat West to Reclaim my charges, Where do I start ow do i get the info? Is it best to get a SAR or just get statements do they charge for the SAR? What is the address? anyone been sucessfull, how long did it take and how complient were they to give the money back? any informnation would be great! If its any use my account is held at South Shields branch would i need to order statements from there or just go into the nearest one:? :-? :-?

Hi i have just joined this site i want to claim back bank charges from Nat west. Where do I start? anyone here been sucessfull against them? did they close account? any help tips advice apreciated