This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

psml,nice one and thanks for answering so quickly

hi,can any 1 tell me which address do i put on the online claim form(my home town bank)or head office?thankyou.

wow thanks for your quick reply....going to do it right now!will keep you all posted with the outcome>>>............

hi, can you tell me do i make a money claim on line now,as i have not heard anything from the bank regarding my last letter i sent saying that i accept the 50%offer but will be claiming all the charges back and let it be heard in front of a judge?the seven days are up and not heard a thing?

hi alan, im at the stage where they offered me half the charges back,and i wrote back saying that i will accept their 50%offer but will still continue to claim the rest,if the rest is not returned to me in 7 days i will have no choice but to start proceedings,and let it be heard infront of a judge who will decide.

hello all, i recieved aprils statement this morning!And guess what(no surprise)there are yet another £498.89 charges put on me!!!!!for unpaid d/ds,a referral charge of £30,default notice of £30 and interest,,,,,i dont know whats happening as i closed the account last month?Also still waiting to hear about my claim they have a couple of days left to reply,,,,,can i put another claim in for thses charges????? ty sweethings72x

thanks lou, will let u know what happens,, fingers and everything crossed. x

hi me again........... this is the letter i have wrote to the bank,,,could you tell me if this is ok?before i post it tomorrow. address account number date dear sir/madam i have recieved your letter,regarding my unfair bank charges. i will accept the 50% offer and expect the cheque more or less instantly,but will still continue to claim the rest. if the rest is not returned to me in full within the next 7 days,then i will have no choice but to leave the decision to a judge and then start proceedings. yours faithfully if i do send this letter and they dont award me my full charges,will it effect what they have already offered me? cheers sweethings72

thankyou,will do that now,and post it 2morrow.

thanks dave, but the thing is the letter they sent me says:sign this letter to accept and the refund of charges will be credited to my bank account.but also the account got closed so if they do it this way i will not benefit from it will i, as i owe natwest £2000?but the way you said i would benefit?can i ask for a cheque then?

hi, i dont know what to do next?can someone please tell me what the next step is to claim all the charges back,like i said they offered me half the charges back of £685.00,but i wanted the full £1208.00,what is the next step,which letter do i send next.thankyou to all who have helped me and been really nice and given me real support,i am very gratefull to you all. sweethings72

ooo i forgot to say that my account has been closed,

hi everyone, sorry if i worried you all with my last message.... im posting this thread on a more positive note........i recieved this letter from my bank this morning..offering half my charges(£685.00)half of what i asked back....do i accept this offer now? many thanks for those peeps who gave me lots of good advice,,,im feeling a little better,,,but still need to sort something else out for my debts,,,but this is a start.. thankyou..xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

yes ithink ive got the biggest charges £1208 in one month,can you believe it,i recieved a letter today from sh*twest,,asking for their money to be payed back in full,asking me to send back debit card and cheque books,,,,i will not be able to withdraw any money(not that there is any)but will be able to credit money(as if)i have 28 days to pay the debt if i dont they will be taking me to court,,,i did send letter asking for my unfair charges to be refunded,and this is what i get,i think i wont win this one....im sinking very fast........they will have to take me to court then as i have now got lots and lots of creditors after me,whats the point in liveing?????//

hi all, recieved letter from the bank dated 13 april. it reads:dear......,thankyou for taking the time to tell me you your concerns.all concerns are important to me and i welcome the opportunity to address the issue raised. i am not yet able to answer your concern fully,as i need to look into matters further.i will contact you again within in the next 10 days,either with a response to your concern or to update you on the progress that i have made.however if you need to speak to me regarding this matter,please contact me or a member of my team........ mrs sue crompton... that was recieved well over 10 days ago,and i still havent heard no more,,,what shall i do now. regards sweethings

Hi, im a newbie here!i have spent a couple of hours on this site 2nite,,and it is shocking to see the amount of people with almost the same problem as me.... this is my story..............i have been charged in 1 month £1208,for unpaid items such as returned cheques,unpaid d/d,misuse of card and now because of these monthly charges i am £600 over my overdraft limit.which my overdraft is now £2228,,which has probably gone up more by now,if i was told by the natwest i was over my overdraft limit by £22,i would of cleared it straight away but did they no no no,no one phoned me or sent me a letter,,i only found out when i opened my monthly bank statement,if it was not for these high charges i would only of been £200 o/d. i have however sent 1st letter and did get a reply from natwest saying that they will look into the matter further and will reply within the next 10 working days.wow wee,because of this i have got into a right mess with my financees,i have been to see a debt manager and i am going on a program to gradually pay off my debts,,they advised me to send another letter to natwest to close my account,and to open a cash card account with another bank,which i have applied for,i just could not get my head around the charges for 1 month,imagine what my charges will be if i went back 6 years...i am not sleeping to well,lost weight which i cant afford to really(7st)got 2 young girls to look after and run my small business,if i dont get this mess sorted out soon i really think im going to have a breakdown