Thread: Schedule of Charges filled in incorrectly ***WON***

Hi Folks

Im doing a claim against Natwest for my OH. When I completed the schedule of charges I did this before I had checked the very helpful thread by Nattie re historic Natwest charges.

Beacuse of being unable to understand what the £12.00 he was being charged monthly was for as only said CHG on statement.

Anyway long story short I have sent prelim and lba which is up on Wednesday. I know when I file on MCOL I can ammend to the correct amount have now worked out (approx 300 quid less than originally claimed) but I was thinking....

If Natwest don't ever go to court on this because they have to disclose how charges are made up, is it likely they will settle any amount to stop it going to court? i.e. should I leave charges as they are and feign ignorance????

Im not normally dishonest, promise!

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The chances are that the bank will pick up on them and refuse to pay the a/c charges, which may delay final settlement

Cheers Michael,

I will send a revised list of charges to them and hopefully they will cough up!

Thanks honey

Well well well................

WE WON!!

I can't believe it!! I had originally put claim in for my OH for over £600 but later realised we had included Advantage Gold membership fees and as per advice given sent a revised lba....However.....

We have received a letter offering as a GOGW the full amount we originally vlaimed for! Am so pleased. Although this will only pay the bills we have outstanding at the moment it gives us breathing space.

The only thing am concerned about is a passage in the letter which states:

"Any charges that properly accrue in the future will be applied to your account in line with our published tariff and in accordance with your agreement with the bank. Should you be unwilling to accept any such charges, then we may consider if we are prepared to continue to provide you with your existing banking facilities. Instead we may offer you a simple account that does not offer borrowing facilities or other services that can result in charges."

This seems like a thinly veiled threat against claiming in the future - is this standard?

Thanks xxx

Hi

I think I have made the same mistake. I have included charges that were for called unauthorised overdraft charge on a monthly basis (£28), in addiiton to the individual charges for each failed item - can these be claimed or will I have to take them off? Also, I have received a letter saying Nat West are defending the claim and the Solicitors have sent me a list of things that they want me to send them - are these all included in the Court bundle? I have got very nervous about this now and I presume that is what Nat West are hoping for, but I don't want to give up and lose the court £120 fees as well. Any help with a Nat West claim will be gratefully accepted.

Thanks

Theresa

congratulations

I wouldnt worry to much about there so called legal tosh.
Its just their way of saying, You naughty boy, How dare you take on the mighty Natwest bank, dont you dare do it again.
I have THAT basic account, with no facilities, it didnt stop them applying £1,600 in charges to my account though..

Well done....

Ah thanks for the kind words folks!

Could not have done it without CAG and I know £600 isnt a lot compared to some people's claims but believe me its a LOT to us right now!

Bigtiab - You are entitled to claim the Unauthorsied O/D charges so dont worry about that. Your claim seems to be standard of all the others I've read about on here so don't let it worry you ot get you down - you are doing fine. Start yourself a thread so you cn ask advise as and when needed and so others (and me) can follow your progress.

best of luck

love fiesty xxxx