Just starting out **WON**

[lelh]

I am a newby here, and just starting out. I have been reading through the forum, and now my 'heads a spinning!! '
I have a few questions, and I would be grateful for any advise available from anyone who can spare the time.
I am going to claim against NatWest.
I have banked with them for over 20years, and always paid charges for an agreed overdraft but just lately they have really been slamming on the charges when I go over my overdraft £138 alone for April.
What am I able to claim? is it just my over my overdraft charges, or am I able to claim for monthly bank charges for the agreed overdraft?
Also, Do i send prelim letter along with detailed charges to my local branch?
Many Thanks
Lel

[hedgey06]

Hi (again!) lel, welcome on board the nat west forum!

This link explains all the charges that you can reclaim from nat west NatWest Charges- A guide.

With regards to the overdraft, you can only reclaim the portion of interest that's been applied because of any charges. So if you have an overdraft but no charges in any one month, you can't reclaim the normal overdraft interest - as this is a fee for a service that you agreed to. The overdraft interest is quite difficult to work out, but if you download the correct spreadsheet 6. Interest calculation spreadsheets it can be done.

You need to send your prelim (plus a detailed schedule of charges - e.g., one of the above spreadsheets listing all your charges) to the Borehamwood address in this link **** Natwest Contact Information ****. Make sure you 'hide' the 8% interest column for now though, as this can only be awarded by the courts.

Good luck, hedgey xx

[lelh]

Thank you for all your help Hedgey, the info is just what I needed. I will be brave and see how I go.
Thanks again
Lel

[beezlyend]

Although late to the conversation, there is another route which proved succesful for me.

I sent a letter claiming ALL the charges to my account, whether i agreed to them or not. NatWest worked all this out for me and sent me a final figure, saving me alot of time doing it myself.

Have think about it, you never know, you may even get the whole lot back if your lucky!

Good luck.

[hedgey06]

Novel appoach beezlyend - but not very professional! Much better to stick to the tried and tested CAG method................ particularly if the claim ends up being filed at court.

[Micky the Hippo]

beez, how do you know they've worked out the full amount?

[steven4064]

You trust NW to do THAT?!!!!

Steven

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[hedgey06]

Originally Posted by steven4064

You trust NW to do THAT?!!!!

Exactly!!!

[lelh]

Started out on the bank charges claim against NatWest 29th May, with lots of help and advise from you all, and am pleased to say that had letter today to say we are having all charges claimed refunded to our account.
Amazing, I never thought it would all go so well, and really quite straight forward once I had read up on here and taken on board your advise and experience.
Many many thanks to all of you who continue to share your help and knowledge with others, and the best of luck to all of you who continue to fight for justice!!!
From a very happy
Lel

[steven4064]

Lel

CONGRATULATIONS!

Another Win - it must be Friday!

Steven

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Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site

[hedgey06]

Lol............. they don't half roll in on a Friday don't they!!! CONGRATULATIONS Lel, another excellent win. Enjoy every penny, best wishes, hedgey xxx

[lelh]

Had settlement back in June, which i was really pleased with, had full payment credited to my account, BUT today have received another offer with an agreement to sign... guess I'll sign and return and see what happens from here.
Lel

[steven4064]

I think you need to write and tell them that you already have the money. If you knowingly allow them to pay it you again I think you commit an offence. They will certainly want it back when they find out.

Steven

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[Micky the Hippo]

standard advice is to accept it 'by accident' and then put it somewhere safe and leave it there

yes, taking it knowingly is an offence and there's no point doing it 'by accident' unless you think they might never realise what they've done

good chance I'd say, your call

[hedgey06]

Originally Posted by Micky the Hippo

standard advice is to accept it 'by accident' and then put it somewhere safe and leave it there

yes, taking it knowingly is an offence and there's no point doing it 'by accident' unless you think they might never realise what they've done

good chance I'd say, your call

But it isn't 'by accident' if the person knowingly does this.

Don't be like the banks - follow Steven's advice and don't accept the money twice.

[Micky the Hippo]

ah but it's not on purpose unless they can prove it, can't be done

if they notice it, they'll ask for it back with conviction so make sure you have it

this is more or less the same as the bank putting money in your account by mistake

[hedgey06]

But why be as bad as the banks?

They've refunded the charges - I'd say end of.

[Micky the Hippo]

I'd give the poster the facts as known and let them make the judgement

[Bookworm]

Can't agree with that last statement. CAG doesn't condone dishonest behaviour, and this is what that is. Simple as that.

[steven4064]

Absolutely Bookworm.

We should give the facts - if you knowingly accept the money twice you commit fraud. End of story.

Steven

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Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site