When is a default notice ACTUALLY a default notice?

[chinbo99]

Hi all,

 

Need a bit of advice regarding a default that natwest are trying to serve against me. The default is completely made up of charges, I do not have an overdraft on my account but by charging me, natwest have taken me overdrawn, by £113 and are now trying to default me for this amount, even though I currently have a claim for about £600 worth of bank charges lodged with them (which has been put on hold). What I don't understand is how they are allowed to do this, ie dispute me for charges which are clearly in dispute.

 

I have received a so called default notice from them, but although the covering letter makes reference to "the accompanying default notice", on the document iteself it doesnt actually say it is a default notice.

 

Also, the covering letter states that I have 28 days to respond or make payment arrangements, whereas the "default notice" states that I will be defaulted today (17/07/08) if I do not respond. Now given the letter was sent on the 30/06/08, those two timescales do not correspond.

 

I know I may be trying to pick holes in what is obvious a serious attempt by the bank to get me to pay up, but I really dont want to pay them back this money as I dont think it is fair. Anyone have any advice or suggestions about what I could do?

 

Cheers in advance. Chinbo99

[2Grumpy]

Apart from anything else, this sounds like it is worth a complaint

- first for defaulting you while the account is in dispute

- second for sending confusing and contradictory information in their demand (contrary to CPUT 2008 )

[lozzzy]

i don’t know if this really relate to it, but I recently was in a similar position.

 

I had a NatWest account with not over draft yet I was £300 O/D all due to charges. I wrote to everyone I could possibly find (under the NatWest thingy on here there is loads of email and postal address). I sent the same letter to everyone explaining the situation and suggesting that if they let me off the £300 it would be within their interest as I wouldn’t claim for the full amount of charges I was entitled to (about 500) and it would cost them less in the long run than me taking them to court and them removing the notice later etc etc! It might be worth a try if all else fails