NatWest Claim***WON***

**dlewis** · 27th October 2006 19:55

Hi all,

Just some advice needed really.
I have already worked out how much Natwest icon

have charged me since may and it's just over £1000, this is all I want to claim back off them.
I have already had a letter from them in reply to a phone call icon

saying basically that their charges are fair and I entered a contract etc.
Until I saw my student finance advisor I didn't know that you could claim charges by sending letters to the bank, I just thought that their letter was final.
I have now typed up and printed a first letter from the templates on the site but I was wondering if that is right,as because I have already had a sod off letter do I just go ahead and threaten them with court or send them the letter I have done and wait for another reply?

Any advice would be much appreciated.

Thanks

Dani

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**cheddar** · 27th October 2006 21:55

As you haven't sent anything to them in writing I would say start at the beginning.

**dlewis** · 27th October 2006 22:32

Thanks for that.
I'm a little nervous about starting to claim but I've got nothing to lose, and this site and the people on it have been a great help so far.

Dani

**dlewis** · 7th November 2006 19:56

Okay so I have just had a letter from Natwest icon

saying that they are sorry to hear that I am unhappy about the charges, but they feel their charges are fair etc and I entered into a contract with them etc etc.
It also says that they are sorry to hear that I am considering legal action and if I do decide to take action then can I please send all correspondence to their registered address.

I don't know what to do now is there a second letter that I can send them or do I start legal action?

Any advice would be much appreciated.

Thanks

Dani

NATTIE · 7th November 2006 20:04

letter before action icon

letter or stage 2 letter

**joe90** · 7th November 2006 20:21

seems like you and me are at the same stage here dlewis
http://www.consumeractiongroup.co.uk...x-natwest.html
good luck and gods speed to ya man

**dlewis** · 14th March 2007 17:04

Ok guys and gals here we go again.
I have sent Natwest icon

2 letters both the step 1 and step 2. I have now had a letter in reply to the step 2 which basically says, thanks for your request for details of charges applied to your account we will send you copies of statements free of charge.
They will only consider unpaid fees, paid referral fees, card misuse fees and unarranged borrowing fees. And any payment would be made as a gesture of goodwill icon

. Then there is a Borehamwood address to send my claim to.

Is this good or bad as I have never claimed before and am totally petrified!! Help!!

Dani

NATTIE · 14th March 2007 20:26

have you started again? yes it is good

**dlewis** · 15th March 2007 19:57

Thanks for the reply.
I never started the claim again this letter is a reply to a letter before action icon

in which i gave them 7 days to refund my charges. Are they just time-wasting?

NATTIE · 15th March 2007 20:17

time to sue, did you send a schedule of charges with the lba icon

because if yes then see first three lines in this post.

**dlewis** · 15th March 2007 20:48

No I didn't send a schedule of charges only a letter saying the amount of the charges in total and the date from when I was claiming. Maybe they are giving me the opportunity to put a proper claim in??

NATTIE · 15th March 2007 21:44

ooooh i am so tempted to reply to this but i cannot but good luck

**fendyweather** · 15th March 2007 21:56

You need to do full schedule of charges based on the information from your statements. Thats the only acceptable form to claim with.

Best of Luck. Fendy xx

**dlewis** · 18th April 2007 22:01

Okay peeps, so I have had my statements from Natwest icon

and have written out my charges.
Is there anything else that I need to put in the letter??
Like a deadline for refund/reply???
Help!!!:?

**Parkvale** · 19th April 2007 08:52

Have a quick look through these they will help.Good luck.
http://www.consumeractiongroup.co.uk...se-read-these/
http://www.consumeractiongroup.co.uk...tml#post436526

**dlewis** · 8th May 2007 19:41

does anyone know if i am meant to send the statements that Natwest icon

have sent me back to them highlighted or do i just send a list of dates and charges?? i've sent one letter with a list already but still have the statements!!

**Michael Browne** · 8th May 2007 19:55

Do not send the statements, you will need these later, for your court bundle.

Far better is to enter your charges in a spraedsheet. Use the Simple S/S here:

http://www.consumeractiongroup.co.uk...eadsheets.html

See here for a visual guide:
http://www.consumeractiongroup.co.uk...html#post50088

When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

The days since and 8% will be calculated automatically

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

**dlewis** · 26th May 2007 16:25

Well i've just had another letter from Natwest icon

which says that they have received my list of charges and that they are looking into my case. Should I write back with a deadline for them to settle by or just leave it until they reply??

**WendyB** · 26th May 2007 17:59

Hi

If this was the lba icon

second letter, you should give them 14 days to pay up, if not you can then file a claim at Court. Its up to you if you want to extend your deadline. Their deadline will be 8 weeks from their point of view....from the date they received your preliminary letter.

**hedgey06** · 26th May 2007 19:41

Hi dlewis, am I right in thinking that Natwest icon

have had both prelim and lba icon

? Your claim seems to have been going on for an awfully long time and they appear to be giving you a bit of a merry dance!

To be honest, given the amount of time you've already given them, along with the fact that you've followed the steps (prelim, LBA and schedule of charges) I'd be inclined to say file at court. Has to be your choice though. Personally, I reckon they've messed you about enough though mate!

Good luck, hedgey xxx

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