Hi everyone.

First time for me posting so be gentle.

I have read this thread with interest as I've just been time barred for my packaged account complaint by the bank and FOS as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010 so I should have complained within 3 years from then.

My complaint is that they upgraded my account without my knowledge in 2003 and at a time when I was in financial difficulty and would not knowingly pay more in bank charges.

I'm keen to know what is a CCL letter that is mentioned earlier in this thread?

Thanks

http://www.consumeractiongroup.co.uk/forum/showthread.php?446349-NatWest-Advantage-Gold-Package-Account-Fees-Help-please-**WON**&p=4881705#post4881705

dx

Thanks dx.

Hi everyone. First time for me posting so be gentle.

I've just been time barred for my packaged account complaint by the RBS and FOS

as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010

so I should have complained within 3 years from then.

I'm struggling to understand how anyone's complaint can possibly succeed if the Bank sent out these 'packs' over three years ago.

My original complaint is that they upgraded my account without my knowledge in 2003,

at a time when I was in financial difficulty and would not knowingly pay more to the bank in charges.

They actually upgraded both of my current accounts at the same time

and have upheld the complaint on one of them on the basis they shouldn't have upgraded both,

although they did reverse one of the accounts back to a fee free account a short time later

but they've now reimbursed the fees for the time period they were charged.

This fact alone seems to me that they accept the fact they miss sold me,

but are now rejecting the complaint on the other account by using the time bar rules.

I've only now made my complaint due to seeing all about these in the media

and doing some digging and realizing that I actually got sold tow of them in 2003.

I've also read on previous threads about CCL letters and am keen to know if these are to do with the banks using the time bar issue to reject complaints.

http://www.fca.org.uk/static/pubs/guidance/gc12-04.pdf.

Link for CCL letter/FCA.

Andy

I am in a similar position having been provisioned with a NatWest AG account back in 2004 but got nowhere with NW or the FOS.

NatWest essentially told me my complaint was outside time limits and referred me to the FOS who are also siding with NW's position.

It is interesting to note that NW have settled some claims but are immediately rejecting other similar claims?

Unsure of the selective approach but considering writing again to NW senior team to ask them to reconsider their final decision on my case.

Paul

I am in a similar position having been provisioned with a NatWest AG account back in 2004 but got nowhere with NW or the FOS.

 

NatWest essentially told me my complaint was outside time limits and referred me to the FOS who are also siding with NW's position.

 

It is interesting to note that NW have settled some claims but are immediately rejecting other similar claims?

 

Unsure of the selective approach but considering writing again to NW senior team to ask them to reconsider their final decision on my case.

 

Paul

Optional Current Account package charges ikilledbambi or PPI ?

PS you need to start your own thread.

Regards

Andy

I claimed these charges back with ease for some of my employee , yet personally I have met a brick wall .

They are stating outside FCA time scale , as they alledgey sent out a pack in 2009 , nine years after they simply switched it and it is from that date I should have reasonsably been aware , according to them .

I did raise it but was told by the actual manager at the time it was the only account available .

The uphold rate with the ombudsmen is apparently low.

I'm thinking letter before action

- breach of fiduciary duty all over again ,

they will not provide details of their legal department .

I think this is almost criminal

- they take money without permission ,

then say oh well we sent a pack out and throw the FCA into it to blindside

- they don't even quote the section of the handbook it relates too.

If anyone else took money without asking they would be a thief .

I became aware of this latest scandal in March.

Are there any of the old Cag team still on board .

Here were I really miss Martin ,

can't help thinking what he would have made of it all .

you wont get seen here

start a new thread

read this too

http://www.consumeractiongroup.co.uk/forum/showthread.php?446349-NatWest-Advantage-Gold-Package-Account-Fees-Help-please-**WON**&p=4881705#post4881705