Over The Edge

[gettin'evil]

Hello anyone

 

Am madder than mad... have just put in LBA for over £1K and decided to check account with NatWest online. They have just charged us £40 plus £22 interest for going overdrawn. When we went overdrawn it was because there wasn't enough to pay our mortage so they charged us £38 for the privilege of rejecting the payment. That is a total of £90 for one instance of going over. How mad is that .. will have to laugh or will cry.... do you think they put a note on the account to say you are taking legal action and try to make life that bit harder all round or am I being paranoid - (I'll get me coat)

[thewifeandI]

Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forums for your banks to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!

 

Apologies for the slowness of the site today - recent publicity has made us very popular!

[gettin'evil]

Thanks the wife and I

 

that was just a moaning post ... I've already got a thread going on Natwest Bank forum and have just sent off my letter before action hoping to get a money claim in before I go to Cornwall on 18th Aug when I will add the latest CHARGES! I also have an Abbey credit card and although never incurring charges yet have just received a notice from them reducing charges from £22 to £12! I think thats called progress.

 

Kind regards

[thewifeandI]

It's actually called 'being forced to...'

[gettin'evil]

yes consumer power is a wonderful thing ..

[Guest NATTIE]

gettin'eveil- do you have an Advantage Gold Account because re £40 charge, I know that is £28 Unarranged Borrowing and £12 ADGD, if you don't use the services re ADGD convert it back to a Current Plus, it'll save you in the long run

[gettin'evil]

Thanks!!!

 

I did have and I wrote a letter to the branch about 3 weeks ago to ask them to change it back again after reading around this site. They obviously haven't. Sugar butties.... I'll look out a copy of the letter and send with another request. I tried to do it over the phone but a v arrogant man told me I had to do it in writing which is what I did. Will go into branch tomorrow.

 

Think I need to ask a mod to merge this thread with the one in Natwest forum???

 

Just checked sent letter to Chancery Lane Branch dated 19 June. No reply no nuffink.

[Guest NATTIE]

Ah, they may have but the "service charge" goes out one month behind which means that the charge was for july, and you may well see a pertial charge at the end of this month. Would be worth checking that it has been changed, though

[gettin'evil]

strange meeting indeed. Thanks have just added to your reputation thingybob.

[Guest NATTIE]

Just as an aside, Wilfred Owen was one of our greatest war poets killed just a few days before the end of fighting in WW1. His meeting was in hell with someone he did not recognise until the last few lines one of which appears on my signature

[gettin'evil]

Thanks for that. I know Siegfried Sassoon better!