I have had a natwest credit card for about 18 years. This was sent through the bank and was never requested by myself. I dont remember seeing or signing an agreement for it and i cannot rememebr seeing terms and conditions I have noticed that i pay a monthly PPI which to be honest i was unaware and assumed it had to be paid. I have retired and not worked for the last 4 years and I still have been paying this PPI Can I reclaim it, can I stop it and is there a basic letter template to write to my natwest credit card and ask them to stop and refund. I am a bit naive to all of this PPI,

Hi, in response to your query.....yes you can claim...my business account had been closed for 18 months and i still claimed...I dont know how things will go now the court case has started but its always worth a try and dont give up....I replied to every standard letter explaining that i did not think they were taking my claim personally and would they please give me a personal and detailed response...it seemed to p..s them off and eventually i got my money back and all of it....I did have the expense of sending every letter special delivery to the person who signed the letter. hope this helps and good luck

yes they were on the list and as i said the reiever told us that we should keep the laptops. They say they have not been told or got any letters, but we have wrote and so have the recievers. But our reciever did seem under the impression that the contract was unsecured and that beause the contract was for 3 years that rentsmart would be able to apply for the full lease outstanding...im just a bit confused because he seemed fairly sure that we should keep them.

help help help..im very confused. we took out a business lease of two laptops with rentsmart a couple of years ago..a few months ago we ceased trading our business and last month declared ourselves personally bankrupt. I wrote to rentsmart several months ago to inform them of our business ceasing trading and asked if there was an option to end and purchase the laptops and got no reply. I called them prior to bankruptcy and asked if we could end early and buy and they said NO., Our official reciever told us that obviously any arrears owed to rentsmart would be sorted out by themselves and that the laptops were probably unsecured and therefore we should keep them. I have today received a phone call from them saying we need to return the laptops..obviously if this is the case then so be it...but we were told by the reciever that no one should come to remove anything from us and that the laptops should stay with us. any ideas

well finally some good news, natwest have today sent me a letter offering the full amount refunded...yipeeeeee....and a HUGE thanks to all here just to add how i progressed further, I kept receiving the same standard letter back from natwest which kept repeating and repeating itself. I returned a letter stating that i did not think that they were processing my claim very personally and that I was receiving standard letters. I asked for a personal response to my request. In this letter i stated that i would continue my claim through the courts and that because of the financial hardship I would ask for my claim to be heard. I asked them to reply to this. I got a letter asking me for finacial details and my current financial situation so we could come to some arrangement for ME to repay any monies owed to natwest...DUH ..very confused..my reply was 12th October 07 Dear Sir Madam Thankyou for your letter dated 08/10/07 Iam now very confused by your response to my letter. It appears that you are suggesting that you need my financial details so you can assess debts owed to you, you seem to have suggested that Iam unable to meet my financial commitments, can I please ask at what stage did I suggest I was unable to meet my financial commitments?. You also seem to be suggesting that I can arrange mutually agreed sums to pay off outstanding debts, return cheque books, opening new accounts to mention but a few. Could you please explain to me why you have sent this letter suggesting these things Could you also reply to my original letter (as below) asking for advise on how to proceed with my claim. It appears that you are not prepared to deal with my claim on a personal basis and you are also not prepared to answer my questions, could you please explain why this is. and then woopee today they offered the full amount ...To all those on the forum maybe it might be an idea to suggest that you do not want standard letters but would like your letters to be replied to on a more personal basis. anyway again THANKYOU ALL ..and good luck note to self...barclaycard charges to be reclaimed, barclays to be recalaimed

so how did you get them to make you an offer, as they seem to just send me the usual standard letter:mad:

complicated and contradicting opinions..obviously this is a tricky one. If i can expain in more detail the item was sold in February, paid for via paypal. The recipient received a letter and confirmed that the item was recieved " empty"..the postage label said, the price, the service " airsure" and the weight at the time of posting. it was received opened and empty I have been backwards and forwards with royal mail and although they apparently accept the item was lost, they are asking for proof of value and payment. I have sent them a letter from my customer which stated he was happy to buy my artwork for £500 and also a printout from paypal with the transaction. I got a reply suggesting i had typed these myself and that they still would only pay for actual value and not for labour and that i need to send receipts for materials used. I think what they are tring to suggest is they will pay me for pencil, paper and paint...the mona lisa is just made of canvas ink and a frame, does that mean its real value is only of the materials used i asked for a service that would guarantee delivery safely to the USA as my item was valuable and was told airsure was the method to use. so where do you think i go from here, my last letter to them asked them not to insult me by suggesting i typed these things myself and that i felt i had adequetly provided information requested and that i was not happy to continue sending letters back and forth as this has now being going on for 7 months and that i would give them 14 days to reply or i would take them to small claims court. To be honest i dont want to go to court i just want my money back As for " posting the brick "..after having a look about at some terms of airsure, you can send money in an envelope so long as it is within the countries limits....so does this mean if i post say £500 and it gets lost or stolen they will only pay me for several pieces of paper and how do you prove you sent it ??? never thought something like this would become so difficult so basically im asking what you all thing my next move should be

after writing my final letter to natwest (below). I have received a standard letter back explaining the test case and asking to confirm account details and amount I am claiming. Just wondering if anybody else has received this standard letter from natwest and how they are proceeding . Dear Sir Acc ******* total charges of £3993 Thank you for your letter dated 12 September 2007 from Mrs S. Smith In response to this letter, In your letter you state that you feel the charges are fair, transparent and lawful. Iam aware that NatWest, along with other banks are involved in legal proceedings with the office of fair trading regarding the legality of these charges, and that you wish store my complaint until the outcome, I find this unacceptable and wish to continue with my claim through the courts I feel from your letter that you are under the impression that I will not issue a claim against you for the return the unlawful bank charges debited from my account. I am writing to inform you that this will be the next stage unless I receive full payment in the next 7 days of the total of £3993. If you use the excuse of the court case, I will be forced to claim interest on the amount, which I have currently not included in my claim amount. I will not do this if you make payment within the next 7 days. However, please accept this correspondence in accordance with my duty under the Civil Procedure Rules to continue to pursue a settlement without the need to invoke the time of the courts If you do not intend to defend your charges in court, but hoping that I will "just go away" I should to point out that this will not happen and you will incur further costs against you. Take note that I will draw the Court’s attention to the fact that you have not made any attempts at settlement in accordance with the overriding objectives of CPR. Furthermore I will submit this letter to the Court as further evidence of your intransigence with my case despite my attempts at settlement and the settling by your company of all other similar claims to date. Alternatively, in accordance with the overriding objectives of the Civil Procedure Rules I would like to give you the opportunity to settle this issue without the need to take the time of the Courts. My claim is for £3993.00. If you could ensure that this sum is paid into my bank account within seven days I will inform the court that this matter is settled. If you wish to pursue this course of action please telephone me to obtain my account details. Yours sincerely

maybe you could give me an idea why ?

well I have recieved my reply from natwest EXACTLY the same letter as last time telling me to confirm the amount and it will be held on file...so looks like im gonna get nowhere:mad:

Help please..Last February i posted a valuable item to America, it was posted airsure and i paid for up to £500 compensation, although royal mail have acknowledged this they are refusing to pay out as " they dont cover for labour expenses" the item was a one of art work that i did and sold for £500, it is irreplaceable..I have threatened time and again that if they do not refund the £500 i will take them to small claims...can i do this ?..and what are the usual outcomes of royal mail small claims ?..is it worth the bother or should i just do what hundreds of others do and just forget it....please please help

sally, thankyou again for your reply...evry little bit is helpful. I have finally composed the letter and sent it special delivery today, so fingers crossed Dear Sir Acc ******* total charges of £3993 Thank you for your letter dated 12 September 2007 from Mrs S. Smith In response to this letter, In your letter you state that you feel the charges are fair, transparent and lawful. Iam aware that Natwest, along with other banks are involved in legal proceedings with the office of fair trading regarding the legality of these charges, and that you wish store my complaint until the outcome, I find this unacceptable and wish to continue with my claim through the courts I feel from your letter that you are under the impression that I will not issue a claim against you for the return the unlawful bank charges debited from my account. I am writing to inform you that this will be the next stage unless I receive full payment in the next 7 days of the total of £3993. If you use the excuse of the court case, I will be forced to claim interest on the amount, which I have currently not included in my claim amount. I will not do this if you make payment within the next 7 days. However, please accept this correspondence in accordance with my duty under the Civil Procedure Rules to continue to pursue a settlement without the need to invoke the time of the courts If you do not intend to defend your charges in court, but hoping that I will "just go away" I should to point out that this will not happen and you will incur further costs against you. Take note that I will draw the Court’s attention to the fact that you have not made any attempts at settlement in accordance with the overriding objectives of CPR. Furthermore I will submit this letter to the Court as further evidence of your intransigence with my case despite my attempts at settlement and the settling by your company of all other similar claims to date. Alternatively, in accordance with the overriding objectives of the Civil Procedure Rules I would like to give you the opportunity to settle this issue without the need to take the time of the Courts. My claim is for £3993.00. If you could ensure that this sum is paid into my bank account within seven days I will inform the court that this matter is settled. If you wish to pursue this course of action please telephone me to obtain my account details. Yours sincerely will let you know the response

please guide me Im still sat, pen in hand wondering if to send my letter, can somebody let me know if they think its ok as it is

more help need. Im trying to compose a letter using sallys original letter and im struggling a bit to get my point acoss. My origianl letter from natwest, which i assume is standard, suggest they thin the charges are fair, transparent and lawful. It explains that they are awaiting the outcome of the legal case with the OFT and will need to resolve the legal key issues before they can decide how to respond to my claim. It also explains to me that given the court case they have asked FOS and the courts not to proceed with any other cases until the test case is resolved and that they will request a stay from my 2 accounts they owe me £2965 and £1028 in charges To be honest, I dread the thought of having to go to court, im just not that legally minded, probaly why a lot of people will not bother with claims...but it IS unfair on everyone....so given that i really dont want to go to court, is there a way that i can suggest that if they offer me a reduced amount i may accept it, and that if the test case goes in the favour of OFT, then that could be financially beneficial to them. I wish i could do more to help others, but i feel that a lot of recent complaints of charges will be receiving the same responses from the banks and it would be great for everyone if some sort of response could be made heres my letter Dear Sir Thank you for your letter dated 12 September 2007 from Mrs S. Smith In your letter you state that you feel the charges are fair, transparent and lawful. Iam aware that Natwest, along with other banks are involved in legal proceedings with the office of fair trading regarding the legality of these charges, and that you wish store my complaint until the outcome I find this unacceptable and wish to continue with my claim I feel from your letter that you are under the impression that I will not issue a claim against you for the return the unlawful bank charges debited from my account. I am writing to inform you that this will be the next stage unless I receive full payment in the next 7 days of the £2965. detailed in my previous letter to you. However, please accept this correspondence in accordance with my duty under the Civil Procedure Rules to continue to pursue a settlement without the need to invoke the time of the courts If you do not intend to defend your charges in court, but hoping that I will "just go away" I should to point out that this will not happen and you will incur further costs against you. Take note that I will draw the Court’s attention to the fact that you have not made any attempts at settlement in accordance with the overriding objectives of CPR. Furthermore I will submit this letter to the Court as further evidence of your intransigence with my case despite my attempts at settlement and the settling by your company of all other similar claims to date. Alternatively, in accordance with the overriding objectives of the Civil Procedure Rules I would like to give you the opportunity to settle this issue without the need to take the time of the Courts. My claim is for £2965.00. If you could ensure that this sum is paid into my bank account within seven days I will inform the court that this matter is settled. If you wish to pursue this course of action please telephone me to obtain my account details. Please do not waste any further time with something you do not intend to defend. Yours sincerely

sally...cheers again seems a great letter, do you think its worth adding anything about the stay, stuff into it, as i feel that they will probably just come back with a similar letter as the last, stating that if it goes to court they will ask for one.