Just starting out **WON**

**lelh** · 29th May 2007 18:10

I am a newby here, and just starting out. I have been reading through the forum, and now my 'heads a spinning!! '
I have a few questions, and I would be grateful for any advise available from anyone who can spare the time.
I am going to claim against Natwest icon

.
I have banked with them for over 20years, and always paid charges for an agreed overdraft icon

but just lately they have really been slamming on the charges when I go over my overdraft £138 alone for April.
What am I able to claim? is it just my over my overdraft charges, or am I able to claim for monthly bank charges for the agreed overdraft?
Also, Do i send prelim letter along with detailed charges to my local branch?
Many Thanks
Lel

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**hedgey06** · 29th May 2007 18:17

Hi (again!) lel, welcome on board the nat west forum!

This link explains all the charges that you can reclaim from nat west http://www.consumeractiongroup.co.uk...ges-guide.html.

With regards to the overdraft icon

, you can only reclaim the portion of interest that's been applied because of any charges. So if you have an overdraft but no charges in any one month, you can't reclaim the normal overdraft interest - as this is a fee for a service that you agreed to. The overdraft interest is quite difficult to work out, but if you download the correct spreadsheet 6. Interest calculation spreadsheets it can be done.

You need to send your prelim (plus a detailed schedule of charges - e.g., one of the above spreadsheets listing all your charges) to the Borehamwood address in this link http://www.consumeractiongroup.co.uk...formation.html. Make sure you 'hide' the 8% interest column for now though, as this can only be awarded by the courts.

Good luck, hedgey xx

**lelh** · 29th May 2007 21:28

Thank you for all your help Hedgey, the info is just what I needed. I will be brave and see how I go.
Thanks again
Lel

**beezlyend** · 30th May 2007 10:08

Although late to the conversation, there is another route which proved succesful for me.

I sent a letter claiming ALL the charges to my account, whether i agreed to them or not. Natwest icon

worked all this out for me and sent me a final figure, saving me alot of time doing it myself.

Have think about it, you never know, you may even get the whole lot back if your lucky!

Good luck.

**hedgey06** · 30th May 2007 11:32

Novel appoach beezlyend - but not very professional! Much better to stick to the tried and tested CAG icon

method................ particularly if the claim ends up being filed at court.

**Micky the Hippo** · 30th May 2007 16:54

beez, how do you know they've worked out the full amount?

**steven4064** · 30th May 2007 16:58

You trust NW to do THAT?!!!!

Steven

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**hedgey06** · 30th May 2007 17:48

Originally Posted by steven4064

You trust NW to do THAT?!!!!

Exactly!!!

**lelh** · 22nd June 2007 20:27

Started out on the bank charges claim against Natwest icon

29th May, with lots of help and advise from you all, and am pleased to say that had letter today to say we are having all charges claimed refunded to our account.
Amazing, I never thought it would all go so well, and really quite straight forward once I had read up on here and taken on board your advise and experience.
Many many thanks to all of you who continue to share your help and knowledge with others, and the best of luck to all of you who continue to fight for justice!!!
From a very happy
Lel

**steven4064** · 22nd June 2007 20:34

Lel

CONGRATULATIONS!

Another Win - it must be Friday!

Steven

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Any opinions are without prejudice icon

& without liability.
Almost everything I know concerning the law I learned from this site

**hedgey06** · 22nd June 2007 20:37

Lol............. they don't half roll in on a Friday don't they!!! CONGRATULATIONS Lel, another excellent win. Enjoy every penny, best wishes, hedgey xxx

**lelh** · 9th July 2007 20:55

Had settlement back in June, which i was really pleased with, had full payment credited to my account, BUT today have received another offer with an agreement to sign... guess I'll sign and return and see what happens from here.
Lel

**steven4064** · 9th July 2007 21:00

I think you need to write and tell them that you already have the money. If you knowingly allow them to pay it you again I think you commit an offence. They will certainly want it back when they find out.

Steven

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Any opinions are without prejudice icon

& without liability.
Almost everything I know concerning the law I learned from this site

**Micky the Hippo** · 9th July 2007 21:48

standard advice is to accept it 'by accident' and then put it somewhere safe and leave it there

yes, taking it knowingly is an offence and there's no point doing it 'by accident' unless you think they might never realise what they've done

good chance I'd say, your call

**hedgey06** · 10th July 2007 09:17

Originally Posted by Micky the Hippo

standard advice is to accept it 'by accident' and then put it somewhere safe and leave it there

yes, taking it knowingly is an offence and there's no point doing it 'by accident' unless you think they might never realise what they've done

good chance I'd say, your call

But it isn't 'by accident' if the person knowingly does this.

Don't be like the banks - follow Steven's advice and don't accept the money twice.

**Micky the Hippo** · 10th July 2007 09:48

ah but it's not on purpose unless they can prove it, can't be done

if they notice it, they'll ask for it back with conviction so make sure you have it

this is more or less the same as the bank putting money in your account by mistake

**hedgey06** · 10th July 2007 09:50

But why be as bad as the banks?

They've refunded the charges - I'd say end of.

**Micky the Hippo** · 10th July 2007 09:53

I'd give the poster the facts as known and let them make the judgement

**Bookworm** · 10th July 2007 10:01

Can't agree with that last statement. CAG icon

doesn't condone dishonest behaviour, and this is what that is. Simple as that.

**steven4064** · 10th July 2007 10:03

Absolutely Bookworm.

We should give the facts - if you knowingly accept the money twice you commit fraud. End of story.

Steven

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Any opinions are without prejudice icon

& without liability.
Almost everything I know concerning the law I learned from this site

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