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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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I've been allowed to go overdraw...


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I have had an account with Natwest for over 6 years. My account is the basic step account which does not allow you to go overdrawn.

 

Last month I called phone banking to get an updated balance which stated that my balance was £300+. I called a compnay that I needed to pay that day and paid £300 on my debit card. This went through without a problem. A few days later my balance was showing at -£294 and I have been charged for making this payment. I have also recieved charges for being overdrawn.

 

At no point did I willingly go overdrawn and as my account is a step account there should have been the checks in place that if there was no funds available then the payment not made.

 

So I have a case for refunds?

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I think we'd need more info here. Did you have a £294ish bill to come out the same day or pending?

As for the charges look in the template letter section, there is plenty of letters to request a refund of charges. Pretty much all of them are unjustifiable so yes, you do have a good case to argue for a refund. Actually getting a refund is a different matter.

 

Check your statements (online if you can) to get a series of events that has caused this and go from there.

 

For the record, even if your account shows a balance on that day when things go out if the bill or whatever leaves before the money lands in your account they will probably charge you. I got charged 140 quid because some direct debits came out half an hour before my pay landed. I hope that makes sense.

 

I'm sure someone more knowledgable than me will be along to help!

Natwest Credit Card- £850- WON!!!

Natwest Current Account- £380 (in 1 month!)- On Hold

Mint- £250- WON!!!

Egg- Still waiting on list of charges

CAP1- Still waiting on list of charges

HSBC current account- On hold

IF- waiting...

Barclaycard- £124 WON!!!

 

And now, using what I've learnt from you wonderful people, to CCA the lot of them! (well credit cards at least)

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I called for my balance which was just over £300. I called to make the £300 payment 5 mins later. My debit card is a solo so no payments will go through unless there is enough cleared funds in the account. I have previously had payments refused as there was a payment waiting to leave my account which meant my balance would not cover the amount I was trying to pay

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I'm sure (and this is my opinion, not a libelous statement of fact) that Natwest do one thing for a while so you're used to, for example, payments being refused if there is no money then let one through for the pleasure of charging you.

Natwest Credit Card- £850- WON!!!

Natwest Current Account- £380 (in 1 month!)- On Hold

Mint- £250- WON!!!

Egg- Still waiting on list of charges

CAP1- Still waiting on list of charges

HSBC current account- On hold

IF- waiting...

Barclaycard- £124 WON!!!

 

And now, using what I've learnt from you wonderful people, to CCA the lot of them! (well credit cards at least)

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