Thread: tracyno1 v NatWest * SETTLED IN FULL *

Hi
I was charged over £800 pounds in 1 month this April by Natwest due to going 6p over my overdraft!, when i called them i got the usual "if you ran your account correctly you wouldn't be charged" " the charges are correct" blah blah blah. After much fuss, i stayed on the line to a manager for 1 hour 10 mins untils she gave in and offered to refund £70 which i very reluctantly agreed to, the next day another £105 was deducted from my account as more direct debits were unpaid, SNOWBALLING!. In my frustration i called there complaints resolution, i spoke to someone called sara who agreed the charges were excessive and she would arrange to get most if not all refunded for me. I then received a letter offering me £90 as final payment. I then wrote the first letter requesting my statements for last 6 years which i now have, but on them it shows at the end of each month the charge for interest for being overdrawn and allso another charge which is just listed as charges, each month the amount varies from £9 to £29, I'm not sure if these are overdraft charges or if i can claim these back. Has anyone else had these charges on their natwest statements who may know what they are and if they can be claimed back.

Similar Threads:

• maz v natwest ***SETTLED IN FULL***
• Siggles v Natwest ***SETTLED IN FULL***
• Me V Natwest ***SETTLED IN FULL***
• SETTLED IN FULL - Kerry Vs Natwest!
• Jim V NatWest *** SETTLED IN FULL ***

Hi, i have recieved all my statements and the total charges come to over £6k, so i am claiming in two parts to keep under the £5k limit, in my prelim letter do i have to give a full break down of all charges ie. date of each and every charge and what it was for or can i just say for example 12 charges of £75 paid referral during the 6 year period, any help would be appreciated, feeling a little out of my depth.
Thanks
Tracy

There is a spreadsheet in the library here:

http://www.consumeractiongroup.co.uk...-work-out.html

which is used to work out the 8% interest when you file at moneyclaim.

If you enter the charges on this, save it, then delete the last two columns and print this out, you can use this as your schedule of charges to send with your prelim letter

Thanks for the help, it was much needed.
I have now sent my lba to Natwest customer relations at borehamwood recorded, so fingers crossed. Total amount i'm claiming back is £4945.00.

Hi, Could someone just clarify what order we send the letters. I have recieved all my bank statements (not charge for them). I have now got my lba letter ready to send but reading through the threads i'm a bit confused, is there a letter i should send just requesting the money back before the lba.
Any help would be appreciated.
Thanks
Tracy

Thanks, Have spent 5 days reading as much as i could, just after posting my question i found the answer. Typical! Thanks for the help, it's all a bit scary but i've started the ball rolling now so i'm sticking with it. I didn't start out wanting all my money back but in one month Natwest charged us over £800 pounds due to the snowballing charges which all started by being pennies overdrawn, i phoned them and begged for help but the brick wall would not move so by accident i found this site and i'm now claiming just under £5k. Just goes to show if they treated customers as humans and showed a bit of empathy now and again then we wouldn't rebel like we are now.
Once again thanks for the advice.
Tracy

Hi, i have now had my second sod off letter from Natwest . i am claiming £4945.00, I know i now have to put my claim through the court but although i have searched the site (4 days spent searching to be precise) i can't find where to go to start my claim. allso i have read through different links it cost £30 and £80 if it is £80 would this mean because my claim would then be over £5k i would not be able to proceed. Any help would be much appreciated, feeling a little lost and out of my depth now.
Thanks, Tracy

Hi, i have now had my second sod off letter from Natwest . i am claiming £4945.00, I know i now have to put my claim through the court but although i have searched the site (4 days spent searching to be precise) i can't find where to go to start my claim. allso i have read through different links it cost £30 and £80 if it is £80 would this mean because my claim would then be over £5k i would not be able to proceed. Any help would be much appreciated, feeling a little lost and out of my depth now.
Thanks, Tracy

Thanks for the advise, not sure what you mean about the interest though, i wasn't going to claim for the interest because it would take me over the £5k but if i do wont i go to the court were if i lose i would have to pay court costs. Just want to make sure i'm doing everything right on this last bit. Thanks for all the help guys.

ok guys, i have started the court process, this is where it gets scary! Natwest have acknowledged and advised they intend to defend in one go, havn't seen this done before, from reading through the forum they usually like to drag things out as long as they can, the acknowledgement was signed by 'cobbetts llp' no name, this was aknowledged on 08th august, i'm aware they now have 28 days to file a defence which would bring me to 5th september. The only thing i am worried about now is the fact that i havn't heard anything from cobbetts, they seem to send most people the complicated form to fill in, i know no news is good news but getting very very nervous, i am claiming £4945.00 plus interest and court fees brings a total of £5913.41. an amount i could really do with, we had a builder who decided to do a runner with £19k so now have half built extension and winter coming. is anyone else at this stage or have had the same silence from cobbets.

Latest update: Cobbetts filed a defence a day after they were supposed to, have now recieved a notice of transfer of proceedings with the cpr 18. I have duly sent cobbets the template letter re the cpr18 not being applicable. I have allso recieved the allocation questionnaire from my local court which has to be returned by 25th September, i have noticed some people in the distant past were recieving there money a few days befor the A/Q was due in but i havn't seen anyone getting anything back from Natwest recently, getting very worried about this, is anyone at the same stage as me? what happens next? feel completely out of my depth, but sticking with it to the end.

Hi, filling in my aq N150, have gone through the aq template but i am completely stuck on this
Quote:
Section F - Proposed directions
Have you attached a list of the directions you think appropriate for the management of the claim?


Attach the list of directions, if any, you believe will be appropriate to be given for the management of the claim. Agreed directions on fast and multi-track cases should be based on the forms of standard directions set out in the practice direction to CPR Part 28 and form PF52.
This might include a directive to force the defendant (bank) to comply with a Subject access request under the Data Protection Act, or to include a direction that parties make Standard Disclosure.
It is possible that a Judge will refuse to give these directions, but at least you will have brought them to the Judge’s attention.

What exactly do i put, where do i find a list of directions, really stuck as it has to be in the court on the 20th so could really do with some hepl. Thanks.

If anyone could help me with the above question i would really appreciate it, getting very worried as it needs to be at the court in a few days. Thanks

In small claims this would be used if you wanted a set aside, change court venue or hearing date. So tick No.