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228 pounds of charges for unpaid items. HELP

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Hello

 

Last year I opened an account in Natwest, they opened me two accounts: Step account and First reserve account.

I had my money on first reserve and used it for ebay shopping through Paypal.

I registered both of accounts to Paypal (with 0 balance at Step account)

One week in September Paypal referred to Step account that had 0 balance and Natwest charged me £38 for each item (6*38=£228 + they will charge an interest at the end of November), the total of 6 items was around 30 pounds.

I have covered these charges by transfering money from First reserve account.

 

Are there any chances to claim 228 pounds from Natwest?

In steps what should I do?

 

Thanks in advance

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Guest wino

Why did paypal try to take money from step account instead of the other one? I know you say both accounts are registered with them but do you not have to choose one as the main account to take money from?

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By mistake I chose my step account as payment option, as a result Natwest charged me 228 pounds.

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Guest wino

The charges are steep and I don't hold out much hope of getting them removed as it was your mistake giving the wrong account details.

 

A few years back after a word with my branch Manager in person he removed over £400 of charges from my account. He said he would only do it once though.

 

With the supreme courts ruling the banks continue to charge these excesive penalties.

 

I would start by writing to Natwest explaining your mistake and asking if as a gesture of good will on this occassion they will remove the charges.

 

Worth a try I think:)

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The problem is that I already covered that charges and talked to manager, I will start writing a letter.

But is that any hope that I will get my money back?

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Guest wino
The problem is that I already covered that charges and talked to manager, I will start writing a letter.

But is that any hope that I will get my money back?

 

I really doubt it especially as you have paid already:(

 

Expensive lesson learnt though. Check you give the right account details next time:oops:

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Maybe it is possible to claim my money back, because I am having a hardship situation.

What would you recommend or they would never refund the charges if they are paid already?

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