Greg V Natwest again *SETTLED IN FULL*

**gregparker15** · 8th June 2006 18:42

I have just finished adding up all the charges against my account using the spreadsheet in the library and printed off the prelim letter telling them they owe me £1014.83 and have addressed it to my local branch (hope this is correct) and will start counting the days from tomorrow 9 june 2006 until I sent the next letter I phoned the bank last Friday to ask for all my statements since inception of the account 2years ago and they arrived yesterday

I am a little concerned however that I have done everything correctly any advice would be helpful

Greg

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**barracad** · 9th June 2006 03:38

Stick to the step-by-step procedures in the FAQs and you can't go wrong

Good luck!

**gregparker15** · 9th June 2006 13:07

might be a stupid question but where do i find the faqs

**thecornflake** · 9th June 2006 13:10

FAQs are at the same level as the General forum and the individual bank ones. Bright red letters - can't miss 'em.

**gregparker15** · 22nd June 2006 13:06

sent first letter to bank claiming £1014 on the 9th june recorded delivery to my branch and have had no response from them at all is this normal are they playing for time when I send off the next letter on Friday

**Michael Browne** · 22nd June 2006 13:13

Yes, par for the course. Stick to your timescale and send the lba icon

.

Good luck.

NATTIE · 22nd June 2006 18:03

The branch may not have signed for it even if sent by recorded delivery, although they would have reeived it, but there is a process for branch staff to deal with Unlawful Bank charges so a response, if they follow the processes, should have been made. The branch could have sent the letter onwards to a lending Unit or to be blunt do not know the correct process in place. The process is to liase with Customer Relations Unit who will advise on what response to make

**gregparker15** · 23rd June 2006 13:09

Received standard letter offering me 427.00
is there a refusal template or do I just send them the lba icon

thanks
Greg

**Michael Browne** · 23rd June 2006 13:45

No refusal template as such. Send an amended lba icon

that you accept their offer as a partial settlement and will pursue them for the rest. Chances are they will withdraw the offer so after 14 days you file a claim for the full amount

**gregparker15** · 23rd June 2006 13:56

Thanks will do that today

Greg

**gregparker15** · 24th June 2006 09:30

Have amended the lba icon

as follows please advise if this is ok

Thank you for your letter dated 21 June 2006 to which I decline your offer of £427.00

from there I go on to the standard lba letter

any advice would be appreciated

regards
Greg

**gregparker15** · 24th June 2006 10:24

have posted letter lba icon

today

Greg

**Janet-M** · 24th June 2006 11:21

you must accept any offer they make you as you must mitigate your loss you do not and should not accept any conditions attatched to the offer ie: in Full and final icon

settlement.You should accept the offer but reject all conditions attatched and tell them you are accepting it in part payment and will pursue them for the rest .

**gregparker15** · 27th June 2006 19:21

unfortunately i posted the letter with the amended i mentioned before i got my reply on this post have I created a problem?????

**Michael Browne** · 27th June 2006 21:17

It would have been better to accept as partial and pursue for the rest, rather than outright rejection. Shows you're being as reasonable as possible.

But it's not that critical. So don't worry, you haven't blown it

**gregparker15** · 28th June 2006 18:05

Received standard letter today saying they have passed my letter onto customer relations

**Michael Browne** · 28th June 2006 20:12

Start preparing for moneyclaim, so you're ready for 8th July

**gregparker15** · 29th June 2006 13:16

received letter from customer remains today

as follows

Dear Mr Parker

Your complaint regarding charges has been passed to me and I am sorry we have failed to reach an agreement with you. Please accept my apologies for any unintended inconvenience or upset.

I regret that there is little I can add constructively to previous comments but having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have been associated with a lack of covering funds in the account at the time they were presented for payment. Accordingley, the charges that have been applied to your account should stand.

That said in the hope of forging a compromise and settlement with you, (person from branch) proposed an offer of £427 as a gesture of goodwill icon

and without admission of error or liability. this would be paid on the basis of a Full and final icon

settlement.

I know you have declined this offer but it is not to be increased, if on reflection you decide to accept please contact (branch Manager who will arrange payment.

It is dissapointing to note that you are contemplating legal action with the bank.
Whilst I hope you will feel able to reconsider, should you decide to go ahead please ensure that any Proceedings are served on our Registered Office Address, which appears at the foot of this letter.

I suspect that this is unlikely to be the answer you might have hope to receive but nonetheless thank you for taking the time and trouble to contact us.

signed

ON TO MONEYCLAIM !!!!!

**gregparker15** · 29th June 2006 13:30

Do I have to wait till the 8 July to file or can I file now as I have received the letter of refusal from customer remains?????

**Michael Browne** · 2nd July 2006 22:44

After such a definite refusal, some people follow the guidelines and wait the full 14 days.

Others have filed at moneyclaim immediately and it hasn't seemed to have harmed the outcome

So really it's whatever you're comfortable with

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