Kulmeister vs Natwest ***WON***

**kulmeister** · 8th August 2006 19:17

Hi everyone

Just joined and let the battle commence !

I have been a loyal customer for 20 + yrs and they have fleeced me good and
proper over the years.

I've been doing alot of reading of the relavent subject and didn't realise so many people like me are out there....i feel empowered

I was wondering if anyone can answer a query....I still hold current a/c with Natwest icon

and owe money on overdraft icon

...I pay £50 a month but £38 is interest...it seems like a bottomless pit....are these charges illegal aswell ?

This is an authorised overdraft but somewhere on the statement it says unauthorised draft fee charge. :o

Similar Threads:

**blacksheep1979** · 8th August 2006 20:16

You can't claim the interest per se but you can claim any over overdraft icon

fees etc and ask for the overdraft rate of interest back on these

**Its WAR** · 8th August 2006 20:26

Just claim, and let them try to figure it out.

**kulmeister** · 9th August 2006 22:22

Thanks for that guys....will keep u posted on progress.

**blacksheep1979** · 9th August 2006 22:37

Originally Posted by haydn

Just claim, and let them try to figure it out.

And when they do figure it out they will defend and you could end up losing - thats a silly attitude.

Do a SAR icon

and find out what they actually owe you and then just follow the steps in the FAQs

**annie100** · 10th August 2006 10:12

do keep positive kulmeister...itappears there have been a lot of injustices undertaken by the banks, as is being made very clear by this site..
your situation seems to be very common reading various other posts where the bank have either consolidated loans or made arrangements with the customer to pay them back with extended and extremely expensive repayment plans...surely if these compound loans and repayment plans were the direct result of unlawful charges there must be some redress on the banks.?perhaps the mods can help on this one? has anyone ever contested a consolidated loan or repayment plan icon

after winning there charges back from the banking institutions?its really beneficial getting ones charges returned but it appears a lot more serious debt has been inccurred by the consumer from the banks refinancing overdraft icon

facilities brought about by unlawful charges under the disguise of assisting the customer to rectify a default position which in essence is unlawfully charged in the first instance?

**kulmeister** · 11th September 2006 20:26

Hi

I joined a few weeks ago....Sent of S.A.R - (Subject access request icon

) on 29/08/06 and received six years worth of statements on 09/09/06 .

Natwest icon

have been fleecing me with charges for years and now it's payback time.....POWER TO THE PEOPLE !!!!!!!!!!!

I listed the charges and penalty interest icon

(not 8%) using the advanced excel spreadsheet found in the forum....very useful indeed.

I totted up £2028 in bank charges and interest.
Next step..........Pelim letter asking for refund....fat chance !

Sent to: Consumer Relations Unit
Ground Floor
Natwest House
225 Shenley Road
Borehamwood
WD6 1TE

Natwest staff member gave the above address.

Will keep posted

Niklowe · 11th September 2006 20:29

Just keep at it. Good luck though you won't need it!

**kulmeister** · 11th September 2006 20:49

Hi Nik
Thanks for advice.
Kul

**MassesAgainstTheClasses** · 12th September 2006 10:28

Hi Kulmeister, can I ask which address you sent your SAR icon

to please.

I'm sending mine this afternoon and I'm confused as to where to actually send it, there seems to be numerous addresses recommended.

Thanks,

MATC

**kulmeister** · 12th September 2006 16:58

Hi

I posted my S.A.R - (Subject access request icon

) with Cheque for £10 Payable to Natwest icon

Plc to the address below :-

Data Protection Manager
Retail Regulatory Risk
2nd Floor
Business House B
GOGARBUREN
P.O.Box 1000
EDINBURGH EH12 1HQ

Kul

**MassesAgainstTheClasses** · 12th September 2006 16:59

Thank you

and good luck!!

**kulmeister** · 15th September 2006 19:54

Originally Posted by kulmeister

Hi

I joined a few weeks ago....Sent of S.A.R - (Subject access request icon

) on 29/08/06 and received six years worth of statements on 09/09/06 .

Natwest icon

have been fleecing me with charges for years and now it's payback time.....POWER TO THE PEOPLE !!!!!!!!!!!

I listed the charges and penalty interest icon

(not 8%) using the advanced excel spreadsheet found in the forum....very useful indeed.

I totted up £2028 in bank charges and interest.
Next step..........Pelim letter asking for refund....fat chance !

Sent to: Consumer Relations Unit
Ground Floor
Natwest House
225 Shenley Road
Borehamwood
WD6 1TE

Natwest staff member gave the above address.

Will keep posted

Received usual sod off letter from Stuart Higley.....15/09/06
Letter says,no refund of charges and if you are contemplating legal action then issue claim at registered address.
Do i still send the lba icon

letter ?
please advise.

NATTIE · 15th September 2006 19:58

yes

**kulmeister** · 15th September 2006 21:22

Thanks natweststaffmember
I've already prepared the lba icon

letter ...just wanted 2nd opinion
Alset to post on monday

**VeryTrying** · 15th September 2006 21:34

Why Monday? There's a Saturday post collection and a Sunday collection, both of which will get it to Mr Higley on Monday morning. Don't hang about!

**kulmeister** · 16th September 2006 10:57

Hi verytrying
Sound advice !
consider it done
kul

**VeryTrying** · 16th September 2006 23:59

Good lad!

I'm desperately hoping that NW Card Services don't reply on Monday to the lba icon

because then I can add on the 8% and carry on with MCOL.

**orfoster** · 17th September 2006 00:18

Nah don't worry about it, they won't or even if they do they won't pay you the full amount so you can go ahead with MCOL. Good Luck to all.

**kulmeister** · 27th September 2006 14:05

I'm about to file the court claim against the bank as they refused to payback the charges following the lba icon

.
I received statement today informing me of a refferal charge to be applied plus other charges....can i still claim these on court claim even though already claiming 6 years icon

.
Please help.......anyone

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