Bandit v NatWest - The Full Story And Finally**WON**

[skylario]

Just out of interest, how long did it take you to get your statements. I'm waiting for mine to come but they haven't cashed my cheque in yet..? Is your bank NatWest?

Thanks - enjoy totting up your charges... just think you'll have that money back in a few months!

[revolutionary]

Originally Posted by skylario

Just out of interest, how long did it take you to get your statements. I'm waiting for mine to come but they haven't cashed my cheque in yet..? Is your bank NatWest?

Thanks - enjoy totting up your charges... just think you'll have that money back in a few months!

I waited over the 40 days (approximately 50 days from my sending the letter to them) but they arrived in a parcel repackaged by the post office as it was damaged and torn, and they will be getting a similar letter that Citizen (Bandit) Smith wrote, in fact he's so very good I'm going to plagerise his letter!

I'll be totting up the charges, including interest as we had no contractual overdraft, they just kept sending us letters saying they were increasing the interest on the charges.

I know I'm going to have a fight and yes I'm also apprehensive, but I've got nothing to lose and everything to gain.

We are currently working on keeping our costs down, I'll be working full time teaching soon and we should be able to do that.

From what I understand, the banks have us all in a psychological loophole. You feel as though whilst they are not rejecting payments and they are charging you, you feel 'phew, at least it's gone through I'll live with the costs'. What we don't realise is that we don't have to live with these costs as they are fundamentally carpetbagging those that are finding managing, cost of living difficult at different times in our lives. They in fact make it more difficult for us.

The individual that started the ball rolling on all of this was a very brave individual with a strong sense of right and wrong, as we all are, but that individual stood up and fought, but not in vein, as look as what that person has started here. Just look at these forums....who said the little person hasn't got a leg to stand on????? We have and we should take heart from that...the proof is in these forums.

[lsimpson77]

Teh charges on your statement will read Charge £30 or Paid referral fee, where your statement reads D/D £30.00 this is the amount of the D/D not the charge.

Good Luck

[rotty56]

HI... Well done toilet bandit. I have just read through your story and my fingers are numb from holding the mouse for so long!! I am a newbie and have never posted a thread but i found your ordeal amazing.
I am just sending my LBA to NatWest and i have not received anything back from them at all...it's like they're ignoring me. My claim is for £529.70 and am dreading the prospect of having to go to court but needs must and all that. Well I just wanted to congratulate you and I hope I have as much tenacity as you do!! WELL DONE!!!

[revolutionary]

Originally Posted by lsimpson77

Teh charges on your statement will read Charge £30 or Paid referral fee, where your statement reads D/D £30.00 this is the amount of the D/D not the charge.

Good Luck

the £30.00 is the charge for my statement.

The direct debits were 181.00 and then it gives you the charge in D/D £30.00 and my account went up in the red £30.00 each time.

[monopoly23]

Congrats Bandit. Just subscribing!

[franny79]

hello everyone!
God this thread is inspiring!
yesterday was the 28th day after filed my claim for court and NatWest had filed a defence. I received this today from cobbetts...

Am aware I don't necessarily need to respond to the CPR18, but in their defence they are requesting information from me eg I have to prove that the charges were in the nature of a penalty by proving "the clauses pursuant to which the charges were applied, and identify in each case the breach of contract". Do I have to respond now about this. or is this what will be discussed in court if it gets there?

If I don't respond to the CPR18, do I just fill in the AQ and wait for a response from court??
Thanks to anyone who can help me, my brain is going numb!! Why can't they just pay the money back?? other people I know have got their money back straightaway. i am worried now that mine is differnet and that is why they are defending it. It is just for charges for the last 6yrs... help!!

[gooner90]

hi all,

Im just wondering if this has happened to anyone else.

I started my claim with NatWest on 6/3/07 with 1st request for refund.
waited 21 days with no reply so sent LBA with 14day deadline.
14 days up today so phoned customer relations, a nice chap called chris told me that a note on my file said on the 20th march my claim had been validated with offer of £6091 letter to follow -21 days.
Its been five weeks since and i have no letter or offer.
Any one else had this situation?
will i be paid or are they just spinning me along?

Would appreciate any views>

[franny79]

Hi gooner90,

Yep they said the same to me when I called up wondering if they'd received my letters. Said they had two offers listed on my filenotes, and they would be sent out in the coming weeks. What I did, and what the general advice is - keep to your deadlines and don't be stalled by them saying they are going to send an offer.

Good luck!

[jakebear]

Inspiring story for a newbie like me.

Just got to the defence stage and waiting for the AQ.

Still got a bit of road to tred but your story has made me realise that there is light at the end of the tunnel.

Many congrats and thank you for sharing your story.

Good luck and all the best

Jim.