LBA sent today!

Many thanks. Will continue the claim!

Hi I have just received the following letter from Natwest in response to my preliminary request for refund of charges. Does anyone know if the OFT has restricted its investigation to credit cards? "... However, we believe that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products. We have considered and responded to the Office of Fair Trading's statement of 5 April 2006. We do not accept the Office of Fair Trading's findings in relation to credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the setting of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products. Consequently, against that background, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account. If you are unhappy....."

Hi all My first post on this site. Have spent many many hours reading through these forums which has given me the confidence to request my charges back from nasty NatWest bank. Only requesting £164.00 but thats money I need right now, having just graduated. I look forward to receiving my cheque from them Prelim letter sent, standard response received, awaiting proper response. Dan