New claimant against NatWest **WON**

**Bigredbus** · 4th July 2006 18:19

Hi everybody (God knows how many of you!)...

I have banked, happily, with Natwest icon

for the past 18 months when suddenly and out of the blue they decided that it was time to get harsh.
I have one of those Advantage Gold Accounts, which contractually allows to few privileges (Reduced insurances, travel insurance at low cost, preferencial Interest loans and so on!). I am no Cresus or new rich, my wages just covering my living. Of course, I went over my overdraft icon

limit every month, since December. NatWest charged me consequently and never took much notice since they were "helping". About a month ago a customer adviser called me and informed me that they were closing the tap and were not to allow me Free Banking icon

(???????). As a direct result, they charged me £280.00 in various charges (that represents about 18% of my monthly wage) -Referral charges and Items returned unpaid -
You can easily imagine how fuming I was. Direct action: opened a new bank account at First Direct. I left the previous bank account in negative and transferred £100.00 to bring it within its agreed overdraft. What do you think they did? Charged me Referral Charges, Interests and charges for Item returned unpaid (total: £84.86). All S/O and D/D have been transferred to the new bank and being paid... What is NatWest doing?
I am p***** off... for the last 6 months they happily charged me approximately £720.00 in various unlawful charges (averaging £120.00/month).
I am so desillusioned by the quality of their customer services that I decided to 1) only contact them by letter and
2) claim what belongs to me...
Ok... charges have to be applied in some circumstances but not in order to feed the pig gold...
I am going to war against the Scrooge and Pantagruel at the same time... Banks... the more they have the more they want!
I am now sending a Data Protection Act to the Data Protection Act MAnager at NatWest...
Will keep you informed of the progress I make...

A fuming and totally unhappy ex NatWest Customer...

Similar Threads:

**Bigredbus** · 6th July 2006 16:37

Just went online banking, browsing old account (Natwest icon

) and new one. All DDs and SOs have been cancelled and transferred to new bank. Cancellation date on or around the third week of June and new bank took over from 01 June. Discovered today that despite all automated transactions being cancelled via online banking Natwest still debited my account, bringing it well over its agreed overdraft icon

limit, meaning... I am now incurring a penalty charge for Unarranged Borrowing...
What about that?
That just sounds like a breach of contract!

**Bigredbus** · 15th July 2006 14:07

Let the battle begin...
Sending DPA request on Monday morning.

NATTIE · 15th July 2006 14:12

If you're account is still ADGD then convert it back to a current plus account because you cannot get a refund on that(the ADGD).

**Bigredbus** · 15th July 2006 14:30

Originally Posted by natweststaffmember

If you're account is still ADGD then convert it back to a current plus account because you cannot get a refund on that(the ADGD).

Will follow your advice on Monday morning...
Thanks very much...

NATTIE · 15th July 2006 15:37

Remember fees on ADGD go out the following month so £12 end of this month and partial month probably £6 end of next month, everything else is fair game

**Bigredbus** · 15th July 2006 15:40

Originally Posted by natweststaffmember

Remember fees on ADGD go out the following month so £12 end of this month and partial month probably £6 end of next month, everything else is fair game

I do not intend to claim the ADGD fee back... it is only fair indeed...

NATTIE · 15th July 2006 15:52

Sorry I wasn't suggesting that, I was just mentioning info on when the fee would go out in case you thought that there was another fee that was part of excessive fees. From the threads you could be about 2 months on this. Any fees up the the court action side of things are claimable, I think

**Yaesu** · 16th July 2006 23:43

Originally Posted by Bigredbus

A fuming and totally unhappy ex Natwest icon

Customer...

Welcome to the club!

Good luck with your action!

Y

**blueskies** · 17th July 2006 06:14

All looks in order with your claim, keep us posted on this thread and we are here is you need any help.

Good luck

**jodie651070** · 17th July 2006 08:37

hello i am new to this site , i did write a message / thread on 6th july 2006. i printed off and posted a data protection act to Natwest icon

the same day.
i have read the facts over and over but i am really confused, i havent got all my bank statements but from the ones i have got missing around one every other month , these charges calculate to at least £2 ,500 i was charged £480 alone in the last 3 month`s. but the majority of the time i hadnt enough money in my bank to pay a d/d so natwest would charge me £35 ?????? when they knew there was no money in the account and debit there money that day !,,, then they would allow the company to re-try a couple of days later...and then charge me a further £35 , and it carries on.then give me an unauthorised borring charge on my account.
so..dpa was posted 06/07/06

what happens now- i think if i understand this procedure i have to wait 35 days?

is this correct?

very broke & confused natwest customer?

P.S I WILL donate icon

5% TO THIS SITE "WHEN I GET MY MONEY" !!!!!

**Bigredbus** · 18th July 2006 09:10

Originally Posted by blueskies

All looks in order with your claim, keep us posted on this thread and we are here is you need any help.

Good luck

I will, indeed, keep you informed of the progress I make... and thanks for your help and support...

**jodie651070** · 18th July 2006 23:22

hello - you are so friendly and welcoming here

, i dont like to be a pain but i have sent my d.p.a and am ii right in what i read and hopefully understand

that if Natwest icon

do not reply within 40 days i sent a breach of d.p.a , then wait for a reply.
i am also unusure

of how leaving messages on this forum works do you start a new thread icon

or not , im really sorry if i have done it wrong

, ive never done anything like this before , well i have never even spoke on a chat room , msn is as far as i have been ..sheltered life.:o .i know!!
any replies are welcome.
i have read through all the faqs as pointed out but its just alot to take in , im just scared ill do it wrong!

i will donate icon

5% of all money i get as i would not even know about it if it hadnt have been for this site & money expert.

good luck to everyone claiming & keep up the good work you are all absolutely fab!!!

**Bigredbus** · 24th August 2006 10:57

Still waiting for statements... How much patience should one have with banks?

**xfox** · 24th August 2006 12:57

don't give them an inch or more than 14 days.

NATTIE · 24th August 2006 18:28

I never like to boast but statements should take max of 14 days, been there ordered them and received within timescale. Have posted on Bank Workers thread and NW on ordering copy statements.

**Bigredbus** · 25th August 2006 14:09

Right... Received the statements. Calculated the charges and then... question to Natwest icon

Staff Member (or any helpful mind)... I have an Advantage Gold Account, which has been opened end of May 2003. Running of this account is charged on a monthly basis. For the first year and a half I have been charged £9.00/month and then incurred an increase to £10.00/month. From November 2005 the bank charge does not appear so clearly on statements and I have been charged £38.00/month. Surely there's something wrong or else shall I understand that that specific charge has been burried within other charges? - and if it is the case how do I calculate the detail of charges due?
Many thanks...:?

**chriswatkins** · 25th August 2006 15:11

AG is now £12, so you will find that your £38 charge is £12 AG £26 charges,hope that helps

**chriswatkins** · 25th August 2006 15:12

by the way, I have just cancelled my AG because it is dead money, I never benefited from it

**Bigredbus** · 25th August 2006 15:49

Hi Chris,
Firstly, thank you for your precious advice. Now I am very suprised that they merged ADGD running charge and a different charge. Shouldn't they be clearer and collapse all their charges on statements... Moreover, doesn't that very wrongdoing allows me to claim the entirety of the charge on the ground that it does not correspond to any charge defined in their charges booklet. As you mentioned - £38.00 charge is £12 AG and £26 charges - They already, as we know, have great difficulties in justifying the charges they apply to accounts... How are they going, before a court, explain why they merged two very different charges in one?
The all thing does not make any sense... They are loosing credibility and consistency...

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