Thread: Natwest has issued summons for old debt comprising solely of Bank Charges - Help!!

I am no expert on the more than 6 years claims, but there are threads on this forum regarding claiming back more than 6 years which you need to see if you have not already done so.

If it were me the first thing I would do is to quickly respond to bank/the summons in writing by saying that you do not agree with the alleged debt because the bank has taken unfair and unlawful charges from your account and that it is your intention to reclaim the charges. This then gives you some breathing space to obtain the info that you need to make a claim and also flags up to any judge that the matter is in dispute. It might also make the bank stop in their tracks in respect of the alleged debt recovery as the last thing they will want is to have to defend a counterclaim from you for repayment of bank charges in court.

Originally Posted by stebiz

Hi all,

I'm not sure were to go on this. Received a summons yesterday from Natwest for over 7k for an overdraft debt which defaulted in 2001.

I was charged in excess of 7k in charges in the 1990's so I don't believe I owe it. Add to this interest they probably owe me.

What is my next step? I guess it is to ask for a copy of all statements and information they hold on me. Is there a template (other than the 6 year one) which will ask for this.

Really appreciate anybodies help.

Stebiz

If you do take previous posters' advice and get legal advice then I strongly suggest that you contact a law centre with experience in dealing with bank charge claims (or alternatively other poverty related issues), they may not be able to help you themselves (for example you might live outwith their catchement area) however they will be the best people to point you in the right direction (no conflicts of interests etc).

If you live in Scotland then I suggest you make contact with the Govan Law Centre who, as far as I am aware, are probably the most experienced lawyers in Scotland with regard to reclaiming bank charges.

Calculator's advice looks ok to me....not sure why you would need to be taking legal advice - this is really a case of you claiming back those charges, and we all know how to go about that on here!
IMHO I'd go ahead with the "do not acknowledge the debt" letter, saying the debt is now "in dispute" and SAR them right away.