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hi all, newbie here have actually called bank and am being sent my statements for the past two years , recon i've got 2k plus to claim back.
any advice on what to do next would be great, not got statement yet but within 7 days i should have....
hi all, newbie here have actually called bank and am being sent my statements for the past two years , recon i've got 2k plus to claim back.
any advice on what to do next would be great, not got statement yet but within 7 days i should have....
thanks in advance
romeo0
Hi you need to read through the FAQs and the step by step instructions, these will guide you through the whole process. Have a read through teh sucess threads in your bank forum this will aid you in what to expect from the bank.
And keep your enthusiasm for the process the whole way through. You will need it. And when youre stuck at any point, just post on here, and the many will come to your rescue. Fendy xxxxx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
got my statements today and what a shocker there not all there got 100 pages but last 3 months missing
however i have access to my statements online and can view my charges there. is this ok or do i need the paperwork to back them up?
i've read the faq but still need help as i dont want to mess it up. surprised to find almost 4k of charges in 2 years . no wonder they like us and have refused to give us a bigger over draft.
there are a few charges that confuse me one for £5.12 and a few for £9.00. the latter i assume are adv. gold charges befor it went to £10 and now £12
not sure if it makes a difference but there are a few things that may be of importance if i don't say now
1. this is a joint account with my partner.
2. i never had to sign a data protection form as i requested my statements by telephone via telephone banking.
just want reassuring and talking though it really as i said before i dont want to mess it up
rome00 - deffo sounds like the AG fee. Check here to make sure http://www.consumeractiongroup.co.uk...borrowing.html At some point, nat west started lumping the AG fee in with the unarranged borrowing (UB) fee so you're right in thinking that you can only claim the £28. On your spreadsheet, just detail this as 'charges' and put the correct amount (e.g., UB fee minus AG fee). xx
I haven't a clue whtat the £5.12 charge is for. Is it the overdraft interest? If so, you can't reclaim this - only the portion that's been applied because charges sent you overdrawn/over your overdraft. Difficult to work out so make sure you download the right spreadsheet if you want to claim this.
With regards to the other charges that you're not sure about, have a look through the Advantage Gold thread that I posted in my last post - should clear up the issue for you.
Doesn't matter if this is a joint account - you can still reclaim!
With regards to your last query - it may be worthwhile sending the SAR request if you haven't had all your statements yet.
yes it does thanks, i've read adv. gold stuff a hundred times still a lot to take in but i'm getting there.what i don't get is do i just send a letter about my charges or do i need to sent the spread sheet to?
i think that it for tonight got a lot of input to do
and have a beer for the milan team.
lol
thanks i know you do his a lot and i am honestly greatfull
No worries mate - we're all here to help each other out! It's a lot to take in at first and your head ends up whizzing around - but don't worry, we've all been there and we'll all help you along!
Send the prelim letter along with your schedule of charges (spreadsheet) to the Borehamwood address recorded delivery. Hide the 8% interest column for now as well.
It may be worth waiting till you've got all of your statements for the account though - that way you can just do the one claim.
Get the beer open - I'm just indulging ma'self at the monent anyway!!!!
Keep posting whenever you need advice - hedgey xxx
ok 12 days in and i've reciecved a letter from Natwest,
it reads.
thankyou for your recent letter regarding the fees applied to your acount.
we are currently considering your claim. Given the work involved in assesing your claim we will be in a position to respond within 6-7 weeks, but will endeavour to do so sooner if we are able to.
regardss blah blah blah
ok so they've recieved it all the infomation is there how difficult is it , you grab your cheque book and send me 4 grand. i assume this is a stalling tatic, but what should i do next??
romeo0 vs natwest **WON**
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Originally Posted by rome00
DUE TO WHAT LIFE DOES TO YOU. 
