This topic was closed on 03/06/19. 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

Thank God I've found this thread! I've not been as lucky as you so far, but maybe my time will come. Let's keep this thread somewhere near the top so we don't lose faith. Well done.

Good luck with that, KellyJo.

Right, I've just read the FAQs, and I'm sending the Letter Before Action. I was disheartened when I read my letter this morning, but the FAQs have lifted my spirit somewhat. This £308 will pay for the rest of this year's holiday! I'll keep you all posted. Thanks, Bank Action Group.

OK, here's the reply I got from my first letter, which requested a refund of £308. ----- Customer Lending Centre Wimbledon PO Box 25723 St Georges House 5 St Georges Road Wimbledon London SW19 4WL Dear Mr Acc Sort Code Thank you for taking the time to tell me about your concern. All concerns are important to me and I welcome the opportunity to address the issue raised. Whilst noting your comments, I need to advise you that the Bank believes our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied in strict 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 our customers about the operation of our products. Against that background, we must differ to the views expressed in your letter. Accordingly, the charges that have been applied to your account must stand. I trust I have now resolved your concern. However, if you wish to discuss this further please contact me, or a member of my team, at the Customer Lending Centre, Wimbledon on 0845 300 9639 between 9am and 5pm during Monday to Friday. I enclose a leaflet, which explains more about our complaint handling procedures and includes details of what to do if you are not happy with the outcome. Yours sincerely Doug Barker Customer Care Team Enclosure: Making Things Better - Customer Complaints ----- Righty-ho then. Now what? This is NatWest just telling me that I signed up, so I must pay. I've also noticed that if I want to discuss it further, then I should phone them. I suppose that takes up less of their time, doesn't it?! Forgive me for not doing the homework yet on my next step - I've logged straight on here to share my letter from NW. I'll be back shortly with any questions.

Through Martin Lewis' email this week, I have registered with this site and sent a letter to NatWest about £308 of charges over the last 3 years (the date to which I have my statements to currently). It's not a lot, especially considering some of the situations I've read on this forum in the last half hour, but to be honest there are not many success stories. At least, it seems there are more of you saying that you're still 'fighting' with NW rather than getting your money back. Is this simply a case of people shouting from the rooftops about something going wrong and not shouting when it goes right? I work in the service industry and know that customers are more likely to tell stories of failure and negativity than success and excellent service. I'm not saying that the unresolved threads here are moaning, more pointing out the fact there are much fewer success stories with regards to NW paying up. Basically, I'm asking whether there is a high success rate with NW or not. If there is a high success rate, let's hear about it! I'll let you know how my letter pans out - either way. Oh, and thank you for an inspiring site. I used to work for NW and this is exactly what their customers need.