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I received a link to this site from a forum and i'm amazed at how resourceful this site is. I'm very glad I stumbled across this :-)

 

My banking woes all started about 5 years ago when I was working in a pub and had an unhealthy addiction to fruit machines. I had a Solo card at the time and was informed that I couldn't go over how much money I had in my account. While playing the fruit machine I made numerous transactions of £5 or £10 to put more money in. A week or so later I found out I didnt have the money to cover these transactions in my account at the time and Natwest charged me £35 for each transaction, 8 in total (£280 in one day of bank charges)

 

As a gesture of goodwill they set me up with an Adv Gold account and an overdraft to cover it so I didnt have to pay the sum in one go. I stupidly took this in a good way and let them walk over me. No more.

 

I am going to engage in recovering these charges as I have incurred a plethora over the last 6 years. I do however have one concern. I currently have an overdraft exceeding £1500 and a £2000 loan with said bank. Could they completely remove these from me and make me pay them when they find out what action I am taking?

 

Thanks for reading. :p


Preparing my Natwest case...

Date:28th June 2006

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The loan no because that is a seperate contract. They could close the account and demand the return of the overdraft.

 

Would the reclaimed charges cover the overdraft? If so then this could be a win win if you used the money to reduce your overall liabilities.


Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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I'm pretty confident the charges would make a huge dent in the overdraft if not completely clear it. Even so I could cover the remainder with my salary.

 

The Loan was my main concern so thats good news. :)


Preparing my Natwest case...

Date:28th June 2006

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You might be surprised once you get your statements ... I know I was!


Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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