Thread: Have you asked NatWest for charges back and they said no?

40 days is just like Lent - neve stops.

Go ahead and claim your charges.

Originally Posted by tarka

Default notices stay on you credit file for six years - it may be an idea to get a copy of your files from Experian and Equifax.

Don't forget CallCredit as well.

There are too many credit ref agencies in my opinion.

One should be enough. Why do we need three?

Tighter regulation of this arena is needed methinks.

Totally agreed Dave, maybe this could be the next challenge?

Thanks I have included it in my letter but was curious to see what effects it could have.

I have opened bank accounts recently and have a business account so I don't think it has effected me to much, but it's good to know what damage it could do.

Thanks for your answers

I have now rcvd the standard letter in reply to my preliminary letter I sent to the bank

"We believe that our charges are fair., reasonable and transparent etc and charges must stand.

I also raised the matter ref the defaults I have been charged for and this was the response:-

Turning your question of the default letters issued to you, your account was not transfered to our Credit Management Services Dep and therefore your debt was unlikely to have been registered. The only way this can be confirmed is by obtaining a copy of the Equifax report, as this will detail all registrations. I cannot obtain this inforamtion on your behalf, but you could do so by completing the enclosed application form and sending it to Equifax. There is a £2 fee for the service, but if you were to obtain the copy fo the report and forward it to me, then I wil refund the £2 to your account. In addition, if the default has been registered I will arrange for the relevant entry to be removed.





So if they are saying they have not transfered my account to the Credit management services why did they keep charging me for defaults on my account, the other thing that I have also just remembered it they arrange for me to take a loan out at some stupid rate to repay the overdraft, so it must have been passed on.

Do they know what they are doing? As they are saying in one statement the charges are fair and in the other if they have put a default on my account they will remove it?

I guess it's now a case of sending the letter before action, any comments on the above would be appreciated.

Before I send for the Equifax report I have just applied for a zero % credit card, if I ask for my credit before I get the card will this count as a search?

lba handed to staff at my local branch 20/04/2006

Hi everyone and Happy New Year to you all.

I have a problem with Natwest again so I will try and keep it short and hopefully someone will be able to offer me some advice.

I applied to Nat West back in April regarding my charges on two accounts got letter back on both accounts saying would not pay up, at the time I had rather more pressing stuff going on to worry about following this on.

So in December I wrote to them again asking for my money back to my surprise I got a letter in the new year offering me £850.93 I checked my records and I had put a claim in for £650 and £2194.77

The first letter I received late December was advising that they would refund all unarranged borrowing card misuse paid referal fees accrued and as a gesture of good will and without admission of liability or error and the charges are fair reasonable and transparent etc, total £850.93 there was no mention of account number on my letter, so I called them and was told it was an error and the letter was wrong they were paying £2194.77 if I went into the branch they could fax the department for me so I could accept the correct amount.

So off I go into my branch explained the whole story and the customer service lady made some calls and advised that the £850 offered in the letter was for my account which I had closed, I was only asking for £650 she said they have given you more as a gesture of good will! so I accepted the £850 and made a point of writing on the letter and ensuring that their computer was updated to what she told me, that this was for the closed account.

This left me then waiting for the payment and an answer to my second claim which on Friday I got another letter offering me £1904.00 which was a bit short of what I had asked but I thought I would accept it and fax it back.

I have just called Natwest to confirm they have received my acceptance only to be advised that the letter offering me £1904.00 was an error as they had not realised they had already paid me £850.00 so all I am now getting is £1300.00 can they do this? the letter I got on Friday did not mention any deductions I explained they were two seperate claims, so now they have given me the snr customer relations managers direct line to call him but I woukd like some info before I call can they do this legally?

Update, I have just called Nat West and asked why have they changed their offer anyhow to cut a long story short they have agreed to pay the £1900.00

So I would suggest that if you have applied and they have said no send them another letter asking for the charges you may be successful second time around.