Plucky v NatWest ***WON***

**PLucky** · 17th September 2006 19:33

Just about to send my first letter requesting statements. I have looked through the stickies at the addresses but I am unsure of what address would be the best to use?

Can anyone help?

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**barracad** · 17th September 2006 19:38

Head Office is fine.

**PLucky** · 17th September 2006 19:40

Thank you.

Is it ok to send all of my letters to this same address?

**barracad** · 17th September 2006 19:41

Yes

**PLucky** · 17th September 2006 19:42

Thanks for the speedy replies!

**PLucky** · 17th September 2006 19:52

17th septmber

Data Request Letter sent to

Manager
Customer Relations Unit - Depot Code 040
225 Shenley Road,
Borehamwood,
WD6 1TE

The ball is now rolling.

**PLucky** · 20th September 2006 18:12

Looking through the statements which I have still got, about 2 years worth, and notice that nearly every month I have had charges going out tht appear on the statement as REFERRAL FEE. The values are different each month ranging from £20 - £90 but always in multiples of 10.

What are these charges and can I claim them back?

Thanks

NATTIE · 20th September 2006 18:22

Yes. A referral fee is when the bank pay an item usually SO or DD that takes you over an agreed overdraft icon

. The £30 current charges, maximum is £90 per month

**gregparker15** · 20th September 2006 18:22

I had my first refferal fee after I filed my case so it is not included in my current claim I would probably have to file another claim for them but looking through the forum I would say yes these referral fees are still classed as unfair charges

I think the mods might be able to answer this better

regards
Greg

**PLucky** · 20th September 2006 18:22

Sweet they add up to about £500

**PLucky** · 26th September 2006 17:47

I sent off my letter for SAR icon

for my statements and they replied asking for a signature icon

to verify before they released the documents (i already signed my letter) but hey.

I have not replied as of yet.

Nows heres where I need advice. I used to get paid on the 25th of each month and now I get a cheque on the last working date of each month. By the time this clears its normally the 5th at the latest. I have 3 payments due to go out on the 28th of the month. I phoned them 2 days ago and asked for these payments to be moved. They told me this was not possible to do with such short notice (7 dayts should be plenty?!?) and that they would still be applying for payment and therefore I would incur three charges for these payments. One of them is a Loan with themselves which makes it even worst.

Now do I hold off my claim until these charges have been charged, which will probably be next months statement, or do I go ahead with my claim and add them on later. Is it easy to add this on later?

**Michael Browne** · 26th September 2006 18:04

You can amend your claim icon

(up or down) at any time right up to moneyclaim

Were the payments DD or SO? On the front of my latest statement (12 Sept) is:

'When cancelling a standing order, a minimum of 2 working days notice must now be given to stop a payment being made from your account'

**PLucky** · 26th September 2006 18:05

2 Standing Orders and 1 direct debit icon

.

The direct Debit being with Natwest icon

themselves. Makes you laugh.

littlesally · 26th September 2006 19:32

I'm with Natwest icon

and have cacelled standing Orders two days before, so whoever you spoke to was talking rubbish!
Keep going and add it on when the charges come.

NATTIE · 26th September 2006 19:43

littlesally is absolutely correct 100% two working days notice is correct.

**PLucky** · 3rd October 2006 22:33

Still waiting. Thinking of a follow up call but does anyone think im being impatient?

**Plutos** · 4th October 2006 11:09

Yes get a follow up call in to remind them of their obligations, and the consequences outlined in your letter for non-compliance

Good luck

plutos

**bearo** · 4th October 2006 11:11

cannot hurt to call them,

**PLucky** · 5th October 2006 17:47

What are the advantages of using the advanced one over the simple one?

It adds the 8% up as it goes. I am only at the Prelim stage so do I just erase that section from the spreadsheet for the moment? As as far as I am aware I only add that on once it goes to MCl stage.

Many thanks and sorry for the tedious question i'm not very good with stuff like this.

**PLucky** · 5th October 2006 18:27

Im getting really confused here. Just trying to complete my prelim letter and noticed this bit

"What I require
I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft icon

interest for the sum which you have taken. Total £XXXXX . "

but I thought we weren't adding interest on at the moment or am I being thick?

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