NatWest Charges since 1991

[Guest NATTIE]

I would love to claim this thread as mine but alas the only part of it is the last charge on this page. Thank you must go to Michael Browne and I have edited this breifly and would ask all those on the NatWest Forum to just help fill in the not known bits. I am tempted to say that these should be assumed as charged from prvious amount.

 

 

 

 

 

 

As from 22 July 1991:

 

 

Agreed O/D 21.5% equiv. To 1.7% per month

Unauthorised O/D 33.25%. 37.6% EAR

If overdrawn during charging period £16 quarterly (unless average balance is £500)

Unauthorised O/D (over£50) £30 quarterly (this is additional to above)

 

 

Cheques, SO, DD not paid due to lack of funds £20

Letter advising of O/D £15

U/a O/D using cash/cheque card £15

 

 

 

 

As from 14 Sep 1992:

 

Agreed O/D 21.5% equiv. To 1.7% per month

Unauthorised O/D 33.25%. 37.6% EAR

If overdrawn during charging period £19 quarterly (unless average balance is £500)

Unauthorised O/D (over£50) £36 quarterly (this is additional to above)

 

 

Cheques, SO, DD not paid due to lack of funds £27.50

Letter advising of O/D £20

U/a O/D using cash/cheque card £20

 

 

As from 1 Jun 1993:

 

 

 

Agreed O/D Not known

Unauthorised O/D Not known

If overdrawn during charging period £9 per month (unless average balance is £500)

Excess borrowing(over£50) £3.50 per day (this is additional to above)

 

 

Cheques, SO, DD not paid due to lack of funds £27.50

Letter advising of O/D £20

U/a O/D using cash/cheque card £20

 

 

 

 

As from 13 Jul 1994:

 

 

 

Agreed O/D Not known

Unauthorised O/D 29.5

 

 

Letter advising of O/D Not known

U/a O/D using cash/cheque card Not Known

 

 

 

 

As from 13 Jan 1997:

 

Agreed O/D Not known

Unauthorised O/D Not Known

If overdrawn during charging period £5 per month (unless average balance is £500)

Excess borrowing(over£50) A further: £3.50 per day (this is additional to above)

 

 

Letter advising of O/D Not known

U/a O/D using cash/cheque card Not Known

 

 

 

 

 

 

 

 

 

 

As from August 1999:

 

Agreed O/D Not known

Unauthorised O/D Not Known

If overdrawn during charging period £5 per month

Excess borrowing(over£50) A further: £3.50 per day (this is additional to above)

 

 

Letter advising of O/D Not known

U/a O/D using cash/cheque card Not Known

 

 

 

 

As from 2 Oct 2000:

 

Agreed O/D Not known

Unauthorised O/D Not Known

If overdrawn during charging period £14 per month (over £50 o/d)

Unpaid Item £30.00

Paid Referral £25.00 a day, up to a max of £75 per month

Card Misuse £25.00

 

 

As from 1 Apr 2003:

 

 

 

Agreed O/D 16.49% Equiv to 1.37% pm. 17.80% EAR

Unauthorised O/D 2.455% pm. 33.78% EAR

If overdrawn during charging period £14 per month

 

Unpaid Item £30.00

Paid Referral £25.00 a day, up to a max of £75 per month

Card Misuse £25.00

Default Notice £30

 

 

As from 7 July 2003

Unarranged Borrowing fee £20 per month

 

 

 

 

As from 4 Sep 2004:

 

Agreed O/D 16.49% Equiv to 1.37% pm. 17.80% EAR

Unauthorised O/D 2.195% pm. 29.69% EAR

If overdrawn during charging period £28 per month

Unpaid Item £30.00

Paid Referral £30.00 a day, up to a max of £90 per month

Card Misuse £25.00

Default Notice £30

 

 

 

 

As from 1 Mar 2005

 

 

Card Misuse £35

 

Unpaid item £38

 

 

 

Please can you post only with the relevant information. If you are new to the site please start you own thread on the NW forum and you will get all the help you will need.

 

On this one I would ask that you click on Michael Browne's scales as this information is very concise and I have merely added card unpaid item at the end.

 

I will post shortly with definitions and how they work.