mel v natwest

[meltoadhall]

my nat west account was closed by them last year after their charges put me over the overdraft and they still wont freeze the interest (branch very unhelpful). i havent had a statement for over a year and tho i pay an arranged £10 a month, i have no idea how much i owe them or them me for that matter!!

so i'm going to get my money back!!!!

my first question: is the letter asking for statements the same because the account is closed? is there anything i should add to it?

thanks

[meltoadhall]

well now i had a result.

after reading the other threads on contacts i decided to ring and eventually was put through to the debt recovery team where my account now lives. nice lady is sending me out the 6 years worth and didnt cost me anything.

[meltoadhall]

finally got two years worth of statements - apparently the others are coming in drips and drabs! so far over £200 in unauthorised overdraft fees and unpaid cheques.

I can claim these back cant I?

[Guest NATTIE]

yes

[meltoadhall]

finally got the rest of the statements, going to add them up now. money money money.........

[meltoadhall]

well it took a while, but I have finally sent off the prelim letter, so in the new year there should be some more money around - well actualy most of it will have to go to the account to clear the debt, but at least that'll be another one down.

[meltoadhall]

sent the lba letter today

from what i've been reading about the natwest they seem to go the whole way and send out defence and aq's, is this the norm for most people?

[bigmama59]

seems to be

[meltoadhall]

well now, a result

recieved a letter from natwest offering me a the whole amount and i didnt even have to go to court.

i was going to do the next stage this pay day as i ran out of money to do it, but i am so impressed that they have coughed up without any pressure from me.

they want to put the whole amount into the account but i want the cheque sent to me, can i make them send it me instead?

[Guest NATTIE]

I think no as you haven;t filed a claim agianst them but is the account closed ie no longer with NW, i think it is with Credit Management Services from my reading of the first post. Will that clear the arrangement with NatWest over the account?

[meltoadhall]

i rang several different depts and no one can decide whose responsibility the acc is and whether it is closed or just frozen. it will clear the debt on the account with a bit left over tho.

am going to send the letter accepting back and put in a covering letter asking for a cheque.

[Guest NATTIE]

my gut feeling is that the debt going is sufficient but a cheque for the remainder should be fine IMHO, at the end of the day it is one less debt and money to fight other more formidable opponents. Congratulations on the win!