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1) I have recently won my charges back, am I able to claim again against my bank or can it only be done once? I have had some charges in the last couple of months
2)Does anyone know if I am able to claim for a refund going back further than the last 6 years? I have had my Natwest account since 1990 and I guess they have been taking money off me since then? If so will the bank have a copy of my statements going back that far?
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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25,061
Re: help v natwest
yes you can claim as many times as you like
do a search for 'more than 6 years'
quite a few threads there to ponder too
as for the staetments, they should have them, but they might tell you otherwise sent and SAR with specific instructions for all statements from account opening.
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Yes you are entitled to get back any new charges incurred since your original claim begun, providing you did not agree to any of Natwests ridiculous clauses when you accepted your settlement money.
If not, then claim away....I've recently won and I am
Yes. Examine 'statute of limitations' on the net aswell as here, and review people (from this site) whose claim has been beyond six years on this site. You need to at least see how people have done on here, because it will normally! be purely personal experience, and there will be none of the "my solicitor" thing.
Check your age - if you were a minor (under 18) on that date, there is more to read then also.
on the letter I am sending back to Natwest there doesnt appear to be any clauses, it says:
'I accept your offer in Full and final settlement of my complaint £3,295. (Advantage packaged account fees, stopped cheque fees, interest and charges refunds already applied to your account will have been excluded as appropiate).'
I am just double checking, we know how sneaky these people are! Does that add up to any sort of reason why I couldn't do this again? Does the full and final settlement just refer to this instance or will they use it to mean this one and future ones?
You don't have to sign their acceptance letter, you can send your own:
Date
Dear Whoever
Ref: Your Offer of Settlement
Account: xxxxxxxx
Sort Code xx-xx-xx
Claim No: XXXXX in XXXX county court
I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX
I accept your offer as Full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)
I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.
I will be willing to withdraw my claim and will send a Notice of Discontinuance to the Court upon receipt of unconditional full settlement of my claim
I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.
I trust that you will find this arrangement acceptable.
I am accepting full refund from the Natwest, I am just checking that I am not signing to say I won't do this all over again!
Their letter says:
'I accept your offer in Full and final settlement of my complaint £3,295. (Advantage packaged account fees, stopped cheque fees, interest and chaeges refunds already applied to your account will have been excluded as appropiate).
I am just double checking, we know how sneaky these people are!! Does that add up to any reason why I can't do this process again? Does the 'full and final settlement' just refer to this occassion or are they refering to all future ones as well.
If need to I will do a letter like that, but didn't really want to be heavy handed at this stage if their wording of the letter for me to accept payment doesn't really have any clauses.
You can amend it any way you want to suit, but it does make clear that you are accepting as Full and final for these charges only, whereas their's is ambiguous
Freddy WON v Natwest
!!
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