NO overdraft?

[dnbdubs]

im stuck for the last few months ive doing what everyone has and trying to reclaim bank charges, it would seem I went 2.84 o/d even though i dont have an overdraft and now owe 900 odd pounds, just because i was away, surley they cannot ass theese fees if i never had an o/d, also when it got to 300pounds I phoned up and agreed to make a payment plan which they agreed and said there would be no more charges from now and i could pay, the next day 152 pounds was added on and went from there, ive requested the telephone recording which this was said on, obviously stating data protection act blah blah blah, they are refusing to reply or give it to me i send all my letters recorded, so i have the reciepts and copies of theese letters, then a few days ago i got a letter from Trident Credit services (Natwest DCA) saying thankyou for setting up your £20 a month "6 month temporary agreement"....????????? any help ive sent like 20 letters ive had 2 replies i refuse to speak on the phone to Natwest. Obviously now i cant persue my refund of charges i was hoping i can use this recording against them to atleast get it back down to 300 pound or even the fact that i never even had an overdraft to get rid of it all.......

[bazaar]

dn you can still take the cretins to court. Its only the OFT that cant intervene, thats pretty much it.

why did all the charges go onto the account after your conversation. Push for that transcript

[reallymadwoman]

Who said you can't reclaim your charges? Someone on the tv perhaps? If so, they're wrong. There is plenty of information on the site about how to do this, but personally I would wait a few more days to let the dust settle a bit more.

 

Your post is a bit difficult to follow - some paragraph breaks would have been helpful, but £2.84 escalating to £900 is ridiculous. Do you have all your statements with details of the charges?

 

When you made a request for the telephone recording, did you make a formal request for information - a SAR - and did you send the £10 fee? When did you send it, and do you have confirmation it was received?

 

For now, just send Trident the 'account in dispute' letter and then ignore them. Unless Natwest have told you to pay them, don't, and it's up to you if you pay Natwest.

 

If you haven't already done so, now would be a very good time to move your account elsewhere.

[dnbdubs]

sorry about paragraphs lol, yeah i just assumed the final ruling means i cannot go any further and i did have a look around and its seems like people are just figuring other ways around.

I have all the statements i have ever had, I made a formal request but did not send £10, I sent it 2 weeks ago. I checked with the post office and it has been recieved.

Ahhh forgot to add when I wrote to Natwest I told them to confirm Trident are allowed to collcet monies from myself, but the agreement also says that monies are to be

paid in branch over the counter? Im trying my best but im only 19 lol cant deal with theese sort of debts !!!!!

 

Originaly I offered to pay £84 pounds per month on the phone then obvously the charges kept coming after she said there wouldnt be any more and I made the woman confirm 3 times that there would be no more charges and all charges are included.....I never even had an overdraft surley they cannot persue this because its there fault for allowing it to go this way?

[reallymadwoman]

Have you moved your account yet? If not, do it now, like today. Once your income is going elsewhere they can make as much noise as they like but they will no longer be able to help themselves.

 

Find the template letter for a SAR, adapt it to include a transcript of all telephone calls and the one where they agreed no more charges in particular, and send it off with £10 a.s.a.p.

 

For now, don't worry about who to pay, just get the above two things sorted. And stop worrying - it's only money. They can't put you in jail or kill you for it, so what's the worst that can happen? You get annoying letters (ask for help if you're not sure if/how to respond) and annoying phone calls (either don't answer the phone or refuse to go through security) and that's it.

The whole point of this site is to help whoever needs it. You're in the right place.

[dnbdubs]

thanks, yeah my income goes into my wallet now instead of theres lol (except they have done somthing now to my credit report to stop me getting another account in other banks!!) so i have a cash card account with hsbc

Ive now recieved a letter containing the word "sorry" on and sumones writing up a full report on the whole situation. soooo looks like theyve listened to the recording, I still need it so im going to send the Subject Access Request with the £10 incase they try and slither them selves around it. Appreciate all the help

[nunnyrose]

I'm assuming you were over the age of 18 when you first went overdrawn?

[reallymadwoman]

Good point, nunnyrose. Sorry I missed that one.

 

A straight case card account has the advantage that you (in theory) can't get in a mess again. Fingers crossed they do sort this out for you, but before you accept anything (even an apology!) let us know what they've written in case there's something else they should be doing, e.g amending your credit file.

[dnbdubs]

yes i was over the age of 18 when i went overdrawn i am now 20 birthday the other week lol, ill keep posting updates as they come in like i say im just waiting for this woman to write up a report and see what the next step is, ive now sent the subject to access letter with the £10 via recorded delivery...

[dnbdubs]

RESULT TODAY got a letter back from natwest appologising for everything awarding me everything back except £100 pounds to be paid within 14 days, and the default notice removed from my file...still no Telephone recording and they beat around the bush on all my complaints but im not that bovered if its gonna get rid of 800 - 900 od pounds