Natwest complaint/Bank Charge

[Ernie!]

Hi all,

 

i was hoping someone could help me. natwest charged me on 16th july for a unpaid items fee. firstly i am on a student account with natwest. now i am not debating the charge as at the time i was £7.00 short of the direct debit for my rent, although i did ask natwest to extend my overdraft by a tenner for a 2 days and i was happy to pay interest on this 10 pound extra until i could pay it back which would have been 2 days max. anyway after i was charge i thought i would let the bank know i was unhappy with how i was treated by them (and too be honest a cheeky atempt to get the charge reversed.) now i haven't hear anything of them even though its been 3 weeks since i sent the letter and i haven't been charged yet off them. in the letter they sent to tell me that i was being charge on the 16th july, they said it would be 21 days until the charge happened, which it has been.

 

i am quite confused of what i can do because id like to know when i will be getting charged of them so i can make sure that it doesnt affect this months rent.

 

i hope this makes sense (not the best typer) and if anyone can help me then it would be appreciated.

[dx100uk]

looks like they agreed it was wrong and did not charge you the unlawful fee?

 

i take it you have online access to your a/c?

 

p'haps a browse of the natwest forum might throw some light on the correct period before they charge [if you have it wrong] or p'haps the website has any info on charges period before they claim it?

 

dx

[saintly_1]

Hi and welcome to cag

 

It might come out tomorrow as that is 21 working days (Monday - Friday) banks like to work things in working days.

 

saint

[Ernie!]

it says this on there website

 

"From 1 June 2009, we will be changing the dates on which we deduct any Paid Referral Fees,

Guaranteed Card Payment Fees and Unpaid Item Fees from your account to align with your charging

period. These will also be debited from your account 21 days after the charging period in which they

were incurred (or on the next business day if this is Saturday, Sunday or Bank Holiday)."

 

so i am guessing it will be tomorrow thats its took out of the account.

 

aonther quick question, i called into the branch just before it happened to see if i could extend the overdraft, the reason they told me i couldn't was because it was a student account and it was a set limit. the woman said it was like a brick wall they just couldn't go over but wouldn't they be going over it with this charge? as it will go over my limit.

 

i also read about the hardship refund? being a student would i be able to use that? i read it could be hard with that though as most get refused? would anyone be able to shed any light on it for me?

 

can i also just add that having just found this website tonight and reading through it, its a fantastic website and the people who made it and contribute to it really deserve a pat on the bank and i will definetley be making a donation soon as i get spare money into my account.

[dx100uk]

hey bud

we dont need your money, in later life you WILL be able to afford a donation, today, your priorities lies elsewhere. [dx ducks and runs from the site team:D]

 

as for the o/d limit..welcome to the real world, they can do whatever they like, we as mere mortals have to lick the lid.

 

hardship. now, i wouldn't think rent [ as the council cant send in the boys] would be a good enough reason, now, if it were council tax, that would be a diff matter, just post them a copy of the - here come the bailiffs letter and they will cough up.

 

you could try, not saying you won't grow fruit, but typically banks want four? diff arrears letters from you debtors for that period before they even consider it. if more than this one charge [past] are involved then maybe.

 

chin up

 

dx

[MARTIN3030]

Yets good result-agree with DX good luck with your studies too.

[Ernie!]

Hi everyone,

 

i have seen that natwest have charged me £38 in the past few days meaning i didnt have enough money again for the direct debit for my rent, in fairness to my landlords they have been really good and will come up with a different way to pay the rent, but it means i will have another charge now again of natwest and it is becoming a bit of a joke!!! i was wondering if anyone knew where i should send a letter t because i have already sent one to the branch and got no reply!! or shjuld i g in t the bank and demand to see the branch manager??? also i am thinking now to move to another bank but because i will now have one bank charge pending will i be able to move the account to another bank? or will i have to wait for the next charge 2 come into my account to change??

[Ernie!]

hi,

 

i sent a letter to natwest the other week and i have got thier response today. without typing it all out out here ill try and give the jist of things. it basically goes on about how they think these charges are fair n lawful etc. and how they are in the middle the test case and in the in's and outs of that (how they appealed this hearing and that hearing) and how they can't respond fully to my complaint now until the test case finishes.

 

now it says on it that if i want to refer it to the FOS that they have asked to FOS not to proceed with any other case until to test case is resolved and that the FOS have indicated as a general proposition that they won't proceed with cases which rely on the legal issues being considered in the test case.

 

it says if i wanted to issue a claim to the county court that the master of the rolls has issued guidance to the county courts suggesting they stay proceedings about bank charges and that similar guidance hasd been given to the county courts by the test case judge. and that whilst theses "stays" remain in place claims in the county court will not be heard. it says if i bring a new claim they will put it on hold automatically or the bank will immedietely apply to the court for an order to stay the action until resolution of the banks proceedings with the OFT

 

now i am confused about what i should do next. i'm about to send a letter before action but would it be worthwhile sending it now or should i wait until its all resolved with the banks and the test case??

 

is what they are saying about the courts right? and when i take them to court if they reject my letter before action will it mean i have to wait until its all resolved anyway?

 

any help or advice would be greatly appreciated.

 

Ernie

[Ernie!]

hi,

 

i sent a letter to natwest the other week and i have got thier response today. without typing it all out out here ill try and give the jist of things. it basically goes on about how they think these charges are fair n lawful etc. and how they are in the middle the test case and in the in's and outs of that (how they appealed this hearing and that hearing) and how they can't respond fully to my complaint now until the test case finishes.

 

now it says on it that if i want to refer it to the FOS that they have asked to FOS not to proceed with any other case until to test case is resolved and that the FOS have indicated as a general proposition that they won't proceed with cases which rely on the legal issues being considered in the test case.

 

it says if i wanted to issue a claim to the county court that the master of the rolls has issued guidance to the county courts suggesting they stay proceedings about bank charges and that similar guidance hasd been given to the county courts by the test case judge. and that whilst theses "stays" remain in place claims in the county court will not be heard. it says if i bring a new claim they will put it on hold automatically or the bank will immedietely apply to the court for an order to stay the action until resolution of the banks proceedings with the OFT

 

now i am confused about what i should do next. i'm about to send a letter before action but would it be worthwhile sending it now or should i wait until its all resolved with the banks and the test case??

 

is what they are saying about the courts right? and when i take them to court if they reject my letter before action will it mean i have to wait until its all resolved anyway?

 

any help or advice would be greatly appreciated.

 

Ernie

[yourbank]

hi,

 

i sent a letter to natwest the other week and i have got thier response today. without typing it all out out here ill try and give the jist of things. it basically goes on about how they think these charges are fair n lawful etc. and how they are in the middle the test case and in the in's and outs of that (how they appealed this hearing and that hearing) and how they can't respond fully to my complaint now until the test case finishes.

 

now it says on it that if i want to refer it to the FOS that they have asked to FOS not to proceed with any other case until to test case is resolved and that the FOS have indicated as a general proposition that they won't proceed with cases which rely on the legal issues being considered in the test case.

 

it says if i wanted to issue a claim to the county court that the master of the rolls has issued guidance to the county courts suggesting they stay proceedings about bank charges and that similar guidance hasd been given to the county courts by the test case judge. and that whilst theses "stays" remain in place claims in the county court will not be heard. it says if i bring a new claim they will put it on hold automatically or the bank will immedietely apply to the court for an order to stay the action until resolution of the banks proceedings with the OFT

 

now i am confused about what i should do next. i'm about to send a letter before action but would it be worthwhile sending it now or should i wait until its all resolved with the banks and the test case??

 

is what they are saying about the courts right? and when i take them to court if they reject my letter before action will it mean i have to wait until its all resolved anyway?

 

any help or advice would be greatly appreciated.

 

Ernie

Are you suffering financial hardship?

Do you have priority debt arrears?

[yourbank]

Have answered you on the NatWest forum

[Ernie!]

erm i am not sure if i am suffering financial hardship.

 

i think i am though. i am a student and won't have any money coming in what so ever until end of september. with the charge happening will mean i won't be able to afford my share of the rent on my house at uni

 

i dont know if that would mean i have financial hardship or not though.

[yourbank]

erm i am not sure if i am suffering financial hardship.

 

i think i am though. i am a student and won't have any money coming in what so ever until end of september. with the charge happening will mean i won't be able to afford my share of the rent on my house at uni

 

i dont know if that would mean i have financial hardship or not though.

have you got a student account?

how much is the charges?

[Ernie!]

yeah i have a student account with them.

 

the charges aren't that much. only £78, but still thats a lot ofr a student

[yourbank]

yeah i have a student account with them.

 

the charges aren't that much. only £78, but still thats a lot ofr a student

It should be £76 but is not financial hardship case.

[Ernie!]

yeah sorry i mean 76

 

oh no worries m8, cheers for help though

[yourbank]

Currently the court stays a claim. All claims going back to July 2001 whether at the bank or with the County Court cannot rely on Statute of Limitations for that period(same as the waiver).

[BankFodder]

The limitation period now no longer applies to bank charges claims.

 

Claim your bank charges back to 1st Jan 1995. You will have 6 years from the date of the final outcome of the test case and OFT decision on fairness to do so.

[MARTIN3030]

3 threads merged.

Please try to keep associated issues in one thread-it makes it easier for others to answer when you ask for help or want answers to questions.

[yourbank]

The limitation period now no longer applies to bank charges claims.

The bank cannot apply limitations arguments to a bank charges case going back to 27th July 2001 which was agreed at the start of the OFT test case.

Claim your bank charges back to 1st Jan 1995. You will have 6 years from the date of the final outcome of the test case and OFT decision on fairness to do so.

 

The regulations UTCCR 1999 states that the term shall not be binding on the consumer, however, it does not say that you can go back to 1995 or from where the regulations themselves were enacted. It actually leaves it for the domestic courts to make that decision and therefore, it will have to be part of the OFT test case issues on the additional litigation should the Banks' appeal be dismissed in the Constitutional Court.

[james d]

i have a problem with natwest with no help from there behalf, i have/had £350 overdraft which i used 90% of and then became jobless, i stopped using the account for a while as was claiming JSA in cheques. i then got a letter regaurding a sum of near on £700 overdraft, with anger i phoned the bank to ask what was happening and so on, they then sent me a statment which i asked for and there was months of months of charges applyed with intrest on top, i got back on the phone to them to try and sort this out and found out that they wouldnt stop or freeze the charges till such time as i could pay, with house rent, and phone bills to pay i was lucky to have £10 to my name left, at this case i tryed to ignore the fact, which was silly i admitt, hoping they would realise i was on jsa and wasnt able to pay such a "rip off" back, i know that banks in some way not alowed to charge this much, or i might be wrong, and now its gone to debt collectors and i tryed repaying what i had left to my name, to them. then my house rent was raised i am unable to make payments, i have 2 days to do something about something i can not do. any help people

 

mr Xxxxx

Edited September 7, 2009 by Rooster-UK
OP's name removed.

[dx100uk]

i have a problem with natwest with no help from there behalf, i have/had £350 overdraft which i used 90% of and then became jobless, i stopped using the account for a while as was claiming JSA in cheques. i then got a letter regaurding a sum of near on £700 overdraft, with anger i phoned the bank to ask what was happening and so on, they then sent me a statment which i asked for and there was months of months of charges applyed with intrest on top, i got back on the phone to them to try and sort this out and found out that they wouldnt stop or freeze the charges till such time as i could pay, with house rent, and phone bills to pay i was lucky to have £10 to my name left, at this case i tryed to ignore the fact, which was silly i admitt, hoping they would realise i was on jsa and wasnt able to pay such a "rip off" back, i know that banks in some way not alowed to charge this much, or i might be wrong, and now its gone to debt collectors and i tryed repaying what i had left to my name, to them. then my house rent was raised i am unable to make payments, i have 2 days to do something about something i can not do. any help people

 

mr Xxxxx

 

you need to start your own thread

 

i'll get this moved to the natwest forum.

 

dx

Edited September 7, 2009 by Rooster-UK
OP's name removed from quote.