Well this will be my 5th claim now, Exvept this one is not for me, ive now been roped into doing claims for friends and family.

I am currently doing 3 claims for Natwest, for 3 seperate people so it will be interesting to see if everything that happens is the same for each of them.

SAR is going on saturday for all 3, with a letter of authority stating that all corry is to be sent to me at my address so that i can just get on with it.

Hopefully it wont take too long to rec all the statements, i will keep everyone posted.

God Luck to your friends, a Welcome albeit surrogately to the CAG family

Ok, so my claims for Natwest are for 4 people now.

2 i have rec'd a reply for their SAR, they have said they acknowledge reciept etc, but havent cashed the cheques yet.

the other 2 have just been sent (SAR) so should here back in about a month he he.

I have sent off estimated prelims for the two that they have acknowledge SAR for as they only have about 2 weeks left to send statements so should have them in time with finalised figures for when i send the LBA

personally i would always wait for the statements first, because then you can send a schedule of charges which shows that you know what you are doing and may make them more open to refund on the prelim or LBA

i have estimated an amount previously and they have still paid up so im not worried about not putting the figures on the prelime.

I also want it to go to court as the interest on all of my claims im doing are quite high as the majority of them are claims for over 3k and the mahority of the charges date back over 3 years so its nearly an extra 1k in interest.

As for not enclosing a scheledule in the first letter, the banks have all the charges listed on their computer systems, they have to send me them so they do have all the details already. i will of course send these with the LBA.

Do not be lazy, you win because you are prepared and no one can dismiss it for being too high. This is a window of opportunity because they are settling earlier. You want YOUR money and not to LOSE the chance. I have seen people who say that and my first reaction is that they have no idea what they are doing. The CAG method is SAR then Prelim with schedule of charges then if no result LBA with further request, if not then sue them but if you are assuming that NatWest will do all the work for you, do not be surprised if you do not win. You will by being prepared, you will by being organised and you will by doing the work. Then the money is yours and You win

I dont want to get into a debate about the right and wrong ways of claiming as i believe that the CAG way works, but so do other methods from other websites. I understand that the CAG is a valuable tool for lots of people. i have claimed and won 5 times already doing it this way. I disagree that i am being Lazy, I am following the correct proceedure and I will win. no one has lost yet and i will make sure the 1st person is not gonna be me.

I dont think that estimating charges is a big deal as i have already followed the scheldule in the post yeaterday.

Thankyou for all your help

Full and final settlement paid today, before court action on my first claim

Basically what happened was.....

i sent SAR

before i rec'd my statements i sent them a Prelim stating that i would be claiming back my charges (for my friends closed account) and that the charges schedule would follow

I sent this 3 days after apx

i got a letter back saying they were considering request, and that they wanted me to send bak the statements highlighted

I did not do this just sent lba with charges in the middle of the letter

14 days later i rec'd an offer of the full amount

money gone in today

really happy for my friend as she just lost her job, and really needs the money

i have 3 more in progress for natwest, 1 is awaiting statements

1, is due lba tommorow

2, is due moneyclaim monday

so hopefully wont be too long now, good luck to everyone else

Congratulations......... hope your friend enjoys the cash

Hannah, congratulations! i have just spotted my own harsh post, so sorry but you won and that is fantastic! claim one congrats that is, we await in anticipation of the other three wins

Well done on your 1st friends claim Hannah:)

Fingers crossed for the next 3 xxxxx Wowzer what a great friend to have!

So, bit of an update

the letter attached stated that the settlement ampount would be paid by chq as account was closed, it was a goodwill gesture etc etc.

We sent back the signed acceptance form

today i have had a letter

As the account is not closed we will credit the account and then send you the remaining funds

I spoke to my friend and apparently the overdraft went to a debt collection agency. and then onto a solicitor.

the overdraft was 900 , when the account was closed it had charges added to it which made the total 1100.

My friend has no problem paying this as the charges form part of the settlement figure and she wants to clear the debt anyway.

the only problem she has is that the debt collecting agensie/solicitors etc have been adding charges and now the total is about 1500. she wants to pay what she owes but not the charges

their was also no mention of this in the original offer letter etc (i didnt know about this at all until now)

So any help on where to go from now would be really appreciated

I was interested in your experience. I am repaying an overdraft at £30 per month for my son and am reclaiming his charges. So far Natwest just seem to have ignored everything since my first letter to them and I now have a judgement by default entered against them. I actually just want them to talk to me since the amount is estimated without any statements and I can't see the point in getting cash reimbursed on one hand and continuing to pay for the next 4 years to clear the debt on the other. Have you had any experiences like this?

ok, so they still havent paid my friend, or replied to our letter stating that the acceptance form did not include any t&c's so therefore we want the money paid in full to us, not to the 3rd party etc

that was 2 weeks ago that we sent it and nothing at all.

they will be getting a phone call today, but apart from that i dont know what i can do as my friend does not have enpough money for money claim

still no payment recid from them on this claim. my friend has no money for money claim so im going to write to the FOS.

Natwest will also not send us a copy of the offer letter as they say they have no copys also so quite stuck as the original offer letter went back as the acceptance form was on teh back of it.

Any help would be appreciated

On my second cleim to natwest they have now paid up in full. i have 3 more going through so hopefully they will be hassle free also, just need to sort out the 1st one

Hi Hannah,

Its almost hopeful hearing about your claim successes. I had an account with Natwest for about 3 years and decided to bank somewhere else as i was tired of arguing with them over these charges that were incurring charges. I abandoned the account and of course this escalated to charges to about £300 +. They refused to close the account unless their charges were paid and after numerous letters to the bank manager he agreed to put the charges on a holt so that I could start paying it back on a weekly basis of a £30 standing order which was all i could afford at the time...and then I heard of this amazing discovery and decided to claim back....my charges amounted to £683 which may not seem much but at this moment will pay for my student fees. I haev sent bank statements and letter..been 8 working days now and no sign....how long did it take until you heard from them and as my account with them is still open Im afraid they might debit the account and not tell me, like I heard they did to someone else...do they just send you a check in the post unregistered if they do so.....Some helpful signs at this stage will be of help as it looks like you have mastered this already.

Thanks for the updates...they are very enlightening

just won another aswell, this time for another friend for 5k worth of charges, paid just after LBA.

would recomend everything gets senbt to natwest recorded as they lose everything. hopefully it will be credited tomorow