Whitey1987 V Natwest

[whitey1987]

Hello,

 

I sent my preliminary letter off to NatWest on 1st August, it was received on the 2nd and I've received a reply today offering £38 as a 'goodwill' gesture. However, my claim is for £76 and so I will be trying to reclaim this amount from NatWest.

 

I have been looking at the site and can't seem to find a template that is specifically for people who have been offered part-compensation after their first letter...if anyone could point me in the direction of such a letter template that would be great.

 

Thanks

Steve

[Isobel Daly]

This is what I sent: Got it from the library; LBA leter

Good luck

NatWest Bank

P. O. Box No. 253

740 Waterside Drive

Aztec way

Almondsbury

BS99 1AA

 

12th July 2006

 

Your Ref:

Case Ref:

Acc No:

 

Request for repayment of charges

 

Dear Sir/Madam,

Thank you for your recent offer of £ as a gesture of goodwill, I must inform you that I will not be accepting this offer. As outlined in my earlier correspondence I explained that the charges you have applied to my account are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Further or in the alternative, I believed that your charges are a Penalty.

 

I am informing you that I will start legal proceedings within 14 days, I would like to take this opportunity to inform you that a claim will been filed with the county courts, and as a subsequence court costs and interest pursuant to S69 of the County Courts Act 1984 at the rate of 8% per annum, have been added to the original amount.

To stop any further costs being incurred it is in your best interest to refund in full the revised balance of £ forthwith.

Yours faithfully,

Enc. Charges with interest

 

c.c. NatWest Registered Office

135 Bishopsgate

London EC2M 3UR

[whitey1987]

Thanks for that...

 

So I now need to add the 8% to my overall charges...and supply the updated claim amount with my second letter?

 

Thanks again

[cheddar]

You only add 8% if/when a claim is filed at court.

[whitey1987]

OK thanks.

 

Right..I think I'm all set to send my second letter off to NatWest. The first letter was sent to my account holding branch, I received a response from the branch but it was from a specific member of staff. Should I send the letter to the member of staff or just send it to the branch as I did with the first letter?

 

Thanks

[Isobel Daly]

Hi

 

I got very quick responses fron Customer services in Almonsbury, with a copy to their HO in London. See my letter above. The MCOL should go to HO in London.

[whitey1987]

Hello everyone,

 

I am pleased to say I was successful with my claim against NatWest bank earlier this year. After sending the letter before action I received a full refund of charges against my account.

 

As a student sometimes I don't always have money in my bank account and a debit of £34 was refused by NatWest, the money to pay the debit was in the bank 3 days later (max), as I said however the bank did not pay and instead made a charge of £38 to my account.

 

Obviouslly I feel this is unfair and cannot believe that they appear not to have learnt from prior mistakes. My question though, is if I can/should claim again for this unfair charge, I know it may be seen as 'only £38' but for a student that's a hefty chunk of valuable cash.

 

Anyway, to cut a long story short, I don't know whether I am now legally entitled to claim again for this new charge, after being refunded for the old charges earlier this year. When I got the letter earlier this year to say NatWest would refund my money, they did say they wouldn't entertain future claims for charges. Although I did not sign anything agreeing to this, or send a letter of acceptance back to them, they just refunded the money and this stipulation was an assumption of theirs.

 

Any help much appreciated. Thanks

[Tomasz]

The charges are illegal and there's nothing stopping you claiming again and again

[whitey1987]

Thanks for your response. Would anyone else take Tomasz's view on the topic?

 

Also do you think I should incorporate the fact that I have been charged before and successfully claimed charges back into my letter or not?

 

Thanks again

[cheddar]

The charges are Unlawful and just follow the same process as before. The amount is regardless.