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Nat West Maintenance charge WTF !!!!!!!

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I received my statement on my current account this morning and after returning an unpaid item I have been charged £38.00:eek: BUT Ive also been charged £28.00 Maintenance charge..... WTF is that for...... £66 altogether for 1 item:mad::mad::mad::mad:..... anybody know:?

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you can be almost certain that there "maintenance charge" is some new iidea intended To frustrate the forthcoming House of Lords judgement against them.

 

Write to them immediately and ask them what this maintenance charge is and whether it has been brought to your attention. Come back here and that us know


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Maintenance charge

If your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded, you will be liable for a monthly Maintenance Charge.

The Maintenance Charge will be applied if you have an unarranged overdraft at any time during a monthly charging period.

without prior arrangement or any arranged overdraft limit is exceeded, you will be liable for a monthly Maintenance Charge. The Maintenance Charge will be applied if you have an unarranged overdraft at any time during a monthly charging period.

21 days after the end of the charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.

 

All in the link above which i copied and pasted from :)


 

 

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you can be almost certain that there "maintenance charge" is some new iidea intended To frustrate the forthcoming House of Lords judgement against them.

 

Write to them immediately and ask them what this maintenance charge is and whether it has been brought to your attention. Come back here and that us know

 

you need to change your brand of coffee ;)

it's in the charges thread for natwest on CAG

 

It's not a change whatsoever...


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Would this 'maintainence charge' count as an unfair penalty fee?

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Would this 'maintainence charge' count as an unfair penalty fee?

It used to be called Unarranged Borrowing Fee.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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So is an unarranged borrowing fee an unfair penalty?:)

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So is an unarranged borrowing fee an unfair penalty?:)

 

The question is how can you have an unarranged borrowing facility? By definition, it is either arranged or is not given.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Ah I see, good point:) Guess that was why they changed the name of the fee.

 

Would the maintainence charge be an unfair penalty though? Sorry to labour the point;)

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Ah I see, good point:) Guess that was why they changed the name of the fee.

 

Would the maintainence charge be an unfair penalty though? Sorry to labour the point;)

We are into OFT test case issues so the answer is I personally think that it is an unfair charge but legally it is still a question to be answered.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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We are into OFT test case issues so the answer is I personally think that it is an unfair charge but legally it is still a question to be answered.

 

Many thanks:)

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Check your statement when the 'Maintenance Fee' is taken. bet its called something else and that something will be what we are all fighting about. Natwest have been using the term 'Maintenance Fee' for some time now but as my account needs no maintenance it seems to be a bit of a misleading statement.

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Check your statement when the 'Maintenance Fee' is taken. bet its called something else and that something will be what we are all fighting about. Natwest have been using the term 'Maintenance Fee' for some time now but as my account needs no maintenance it seems to be a bit of a misleading statement.

Unarranged Borrowing Fee changed to Maintenance charge about 2 years ago. Maintenance charge can sound like Account maintenance charge so that isn't misleading really.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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