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Im my earlier statements i seem to be getting charged £14 for unarranger borrowing fee and £6 service charge. I have been told that i can claim for the £14 but not the £6. does anyon know if this is correct. Then later on the charges see to change and the £14 and £6 charges stop to be replaced by a £20 "Charge" has this been lumped together and how much of it can i claim???? And again later on the £20 "Charge" turns into a £28 "Charge" what protion of this can i claim. I am so cunfused. PLEASE HELP
Sounds like you have an advantage gold account - this thread explains more http://www.consumeractiongroup.co.uk...borrowing.html Basically, you can't reclaim the AG fee as it isn't a charge - it's a fee for a service they're providing.
At some point, Nat West started lumping the AG fee in with the unarranged borrowing fee every month and just calling it charges - even though they class it as a service fee! So just deduct the AG fee from all of your unarranged borrowing fees as it says on the above link.
If you need any more help - just post back on this thread.
Hi there, welcome to Natwest forum
Advantage Gold fee was 6, then 9, then at the moment 12. You can't claim these back. You can claim the unarranged borrowing fee which is 28. You'll probably find that at the end of the month you get charges £40.00. This is 12 a/gold and 28 unarranged borrowing i.e for going over your limit.
There's a very useful sticky - Guide to Advange Gold fees I think its called, no doubt Hedgey will be along in a minute to post the link cos I still haven't got round to getting links sorted.
Any questions just post back and someone will help you out.
A/C usually short for account charge I think..(that would seem logical but since when were banks ever logical? 28 is unarranged borrowing, i.e.going overdrawn without permission or going over your overdraft limit. I think it used to be 20 before it was 28. Check out that thread that hedgey posted.
ooooooooo you lot are angels???? im gonna get my other half to have a look at it all 2moro as i am rubbish with numbers hence getting into the problem in the 1st place. I hope that he will be able to sort it all out for me. if not i will see you here 2moro nite lol. so far the claim is worth £2755 with the 8% ineterest but seems i could maybe adding a bit more. Thank you all so far.
Thanks to all that have helped me my claim so far. I have now calculated my charges to just over £3000. Can anyone tell me if i need to send my letters to my own branch or if I should send them to the customer service centre from where my statements came?
I today recieverd a letter from Natwest saying that they are considering my claim but won't be able to properly respond for 6 to 7 weeks.
After recieving this letter my next step is lba. Am i right to do this now? or should I wait for the time given?????????
Thanx. Gettting quite worried about all this going to court after hearing about some of the claims being struck out. I just dont want to do it all wrong!!8-)
I will be ok with it all if/when it goes to court as a work as an enforcement officer at my local court. Its just a shame that I cannot issue my claim at the court I work in. I will have to travel for a hearing!!!
Yes I know that I shouldn't really need any help, but its a ball ache asking people at work for advice.
emmakinkybear v Natwest **WON**
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Re: Charges names???
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