should I also delete the word credit card in the second sentence?

just the letter and the spreadsheets, all fine now

should I also delete the word credit card in the second sentence?

no

do I not need to add sort code to the letter or just the account number is sufficient?

leave out "I was also offered a credit card if I took this account"

 

and "I enclose letters.....to........of £250 and the credit card." --because your not sending them and not mentioning the credit card

are you sure I shouldn't delete the word credit card in the second sentence if I am not mentioning the credit card later?

also I would like to ask them to refund me all late payment fees for the credit card in the future if it's possible?

As I am still paying off the credit card but it's been cancelled because I went over the limit and couldn't afford the repayments.

is that something I need to mention or not and leave it for now and maybe see if I can ask them to refund it in the future? or is it not possible anymore?

do I not need to add sort code to the letter or just the account number is sufficient?

you can if you wish, with your name address and account no Im sure they will find it

are you sure I shouldn't delete the word credit card in the second sentence if I am not mentioning the credit card later? no youve mentioned it once, no need to repeat was the point

also I would like to ask them to refund me all late payment fees for the credit card in the future if it's possible?

As I am still paying off the credit card but it's been cancelled because I went over the limit and couldn't afford the repayments.

is that something I need to mention or not and leave it for now and maybe see if I can ask them to refund it in the future? or is it not possible anymore?

yes its quite possible, but you may need to go the court route to suceed. You need to start a seperate thread for that issue otherwise

this one will get completely confused

ok no worries, I will just leave it for now anyway.

thank you for your help I will post the letter and spreadsheets tomorrow and will update on what is happening when I get a reply.

thank you so much

Hi, received a text message on wednesday last week saying they are looking into the complaint and will be in touch within 5 days even if they just let me know what is happening. Its tuesday and I havent heard nothing else. What do I do? Do I contact them to find out what is happening?

just be patient for now, they have 8 weeks in which to fully respond

just an update that I received a letter from Natwest saying they are investigating the complaint

and will keep me updated within the next 3 weeks.

let's see what they say.

I received a Tastecard from Natwest after being a packaged account holder for 5 years

they just sent me this card almost the same time I received the letter from Natwest about my complaint.

Coincidence or what?

Hi

I need advice please.

I have been refunded today some money.

Refund fees totalling over £900.

This is not the amount that I requested tho.

I want to be refunded the all amount of £2200.

What shall I do?

also received a letter today saying they are still investigating the complaint

and will write to me within the next 2 weeks.

Please advice what should I do?

Thank you

are you sure I shouldn't delete the word credit card in the second sentence if I am not mentioning the credit card later?

also I would like to ask them to refund me all late payment fees for the credit card in the future if it's possible?

As I am still paying off the credit card but it's been cancelled because I went over the limit and couldn't afford the repayments.

is that something I need to mention or not and leave it for now and maybe see if I can ask them to refund it in the future? or is it not possible anymore?

re natwest credit card charges

http://www.consumeractiongroup.co.uk/forum/showthread.php?423796-SabreSheep-Vs-Natwest-Moorcroft

Hi

thanks for that but I am not claiming credit card charges now.

This is about packaged account being missold and

I am asking for all charges and fees back, with the interest

its £2200 but

today I was refunded £900 and not sure what to do about it?

did you receive a letter explaining your refund?

No not yet. Only a letter saying they are still investigating and will write to me within 2 weeks. I dont want £900 only. So what should I do? Ring them?

yes ring them for an explanation as to what is going on

Ok will do it tomorrow and will post what they said on here. I dont have to agree to those £900 if I want to be refunded all the charges, do I?

lets see what they say first

I phoned them

they said they refunded me what they owed me.

The interest they calculated is only 8% and not 17.94%.

They said if I am not happy I can complaint to financial ombudsman.

What shall I do? Thanks.

Also they wont refund all charges,

just the ones where I went overdrawn because of the maintenance fees which is about £54 and not £500.

the fos have accepted that 8% should be the rate refunded, though personally I would argue this with nat west

as they have charged you at 17.94%, so why should they refund you at 8%

You need a full written explanation as to why the package fees have only caused £54 of the excess charges

However on the plus side, a month ago you were offered £24 in total

for the price of a stamp, you have at least reduced your borrowing by almost £1000, so something achieved

ask for a full explanation and breakdown in writing, and argue the interest as a first step

Thanks.

They said the letter with explanation is on the way.

I did tell them the interest I was charged was 17.94%.

They said the interest they can calculate is 8%.

This is given by following financial ombudsmans recommendation.

I know its good what they gave me but it doesnt cover the overdraft

I am still forced to keep the account and therefore continue paying the maintenance fee.

Is there any way they can give me normal account and leave the overdraft I have?

you proved that the package account was misold, so they should certainly change you to another account

you should request this asap, no reason to keep paying the £15 per month

Well they said they refunded extra £30 for two months packaged fees for me to decide what I want to do with the account. My question is will I be able to keep the overdraft?

that is something for you to discuss with your branch