Charges i am about to be charged

[willy53]

i have just recieved mey pre-advice notice from nat west bank and have been charged, as follows:

£28.00 MAINTENANCE CHARGE

£12.95 SUBSCRIPTION TO ADVANTAGE GOLD

£38.00 FOR UNPAID ITEM

£35.00 FOR GUARNTEED CARD PAYMENT

TOTALLING £113.95

 

is this ok for them to do this, or anyone got any ideas to stop these, also i was recently charged over £60 for being 2p overdrawn

[sea-sidelady]

If these are your first charges, then you can call them to see if they will refund any of them. Sometimes as first time charges, they will. And its always worth a try.

 

Also is there any reason you need advantage gold account. They take that payment every month, and most of the time the standard account is just as efficent.

[willy53]

no, should cancel it but are these charges legal in any way

[yourbank]

no, should cancel it but are these charges legal in any way

Advantage gold ones are.

[willy53]

what about the other charges that they have just charged me

[yourbank]

what about the other charges that they have just charged me

Reclaimable.

[willy53]

they coming out my bank on 21st july, so was going to ring them, any ideas what to say to them

[yourbank]

they coming out my bank on 21st july, so was going to ring them, any ideas what to say to them

Have you had any charges on the account before?

Have you received any refunds before as a gesture of goodwill?

[willy53]

had a couple of charges no refunds, i only wemt o/d by 2p and got chrged nearly £60, they just palmed me of and i paid charges

[yourbank]

had a couple of charges no refunds, i only wemt o/d by 2p and got chrged nearly £60, they just palmed me of and i paid charges

They won't refund if you call them by telephone so you need to start the process of reclaiming your charges back.

 

One further question, do you have Advantage Gold account for any reason? Do you use the benefits of the account because if you don't then you are giving the bank over £150 for no obvious return.

[willy53]

i have it for holiday insurance and mobile phone insurance

[yourbank]

i have it for holiday insurance and mobile phone insurance

you can get both cheaper than £150 and mobile phone may be insured on house insurance.

[willy53]

i know, i will ring them now see what that have to say, any ideas of what to say

[yourbank]

i know, i will ring them now see what that have to say, any ideas of what to say

Personally I can tell you. There was no bank error no they are declining the refund.

 

I hope they don't but if they do then start the process of reclaiming charges.

[willy53]

ok cheers

[sea-sidelady]

Let us know how you get on with it. Natwest are not known for being the most understanding bank.

[willy53]

so i shall get no were fast then haha

[yourbank]

Let us know how you get on with it. Natwest are not known for being the most understanding bank.

I would have declined the refund in their position as there is no bank error. Is the links to the bank reclaiming process on your signature? If it is(cos i have signatures switched off) then start the process.

[willy53]

what does that mean, bank reclaiming process to my signature

[yourbank]

what does that mean, bank reclaiming process to my signature

it should be on seasidelady's signature on one of the links(I have signatures switched off but site team normally have links to important info).

[willy53]

new to this dony understand what u mean