Offer made

[alexliverpool]

can anyone tell me if you can claim for card misuse? they seem to be quite heafty charges on my account over the years?

[uk_joe]

As far as I know, you Can claim for card misuse. I'm certainly intending too, and others on the boards seem to be also.

 

If its a charge for breaching their rules and conditions (card misuse, going over overdraft limit, cheques bouncing etc) then you *can* claim. What you cannot claim for are service fees e.g. monthly £10 charge for having an overdraft facility, or loan protection fees etc.

 

Good luck!

Joe

[alexliverpool]

cheers joe, sent for my statements last week still waiting will stay intouch and keep us posted on how you are getting on. I have worked out that i have paid over 600 in the last six months alone. So fingers crossed

[determined-to-win]

yes definately, its a charge thats unfair, anyway, I did as thats what they called just about every charge I had..i.e. pay for something using maestro, 'cos you think its there in your bank, bank approves it, then a few days later when it goes out you havent got quite enough in to cover it and they slam you with £35 card misuse. Got every penny back so go for it, good luck.

[alexliverpool]

determined-to-win, how long did it take you to get your DPA and who did you write too?

[determined-to-win]

They just sent my statements following my dpa request, it took them 5 days, however, they sent the same ones to me 3 times..not sure what that was all about?! This was before there was quite as much interest as there is now though. I took it into my bank and asked for a signed receipt.

[alexliverpool]

can anyone tell me what a referral charge is? i seem to have a lot of them over the years.

[callumsgran]

they're an unlawful charge, claim it back

[alexliverpool]

thanks i am but what are they for, ie cheques returned, going overdrawn?????

[callumsgran]

i'm not 100% sure, as i dont have that on my statements (its a new account) but i do know its an unlawful charge! you could always ring the bank and ask them?

[callumsgran]

Thanx villaburd for clearing that up! now we all know, my hubby had them but i didnt know what they were for! now i do, excellent

[Guest NATTIE]

Referral charge is paying for an item, dd/cheque. that takes you over an agreed overdraft, £30 an item max 3 per month

[alexliverpool]

thanks all:)

[alexliverpool]

Received an offer today of £822 they owe me £4022.52. will be sending letter accepting as partial settlement. The deadline for the LBA is up tommorrow do i need to wait untill they have received my reply or can i start my claim straight away?

[GaryTravers]

its likely that they wont give you the settlement unless you sign their conditions.

 

their conditions being that you accept it as full payment and you are happy to continue getting these charges taken off you, and you dont disclose the matter to any thrid party.

 

so be careful if you are accepting anything but the full amount.

[chriswatkins]

gary is right, be very careful and carry on with your own time scale for claiming, I refused thier offer because it was an insult and I wouldnt accept thier conditions either

[alexliverpool]

It does not seem that the natwest are paying out very quickly now. Has anyone had any recent success with their claims or are they making you wait the full 28 days then entering a defence?

[sam19677]

Hi, my son who's 19 rang his branch on thursday 7th Sept and asked for all his bank statements (they charged him £5 for all of them). They arrived on Mon 11th of Sept. We went through them and worked out that they'd charged him £134 in charges. So send a letter (recorded delivery)asking for the money back. Posted the letter 12th Sept, they recieved it on Wed 13 th Sept got a letter on the 15th Friday saying we're very sorry the money has been credited back to your account!

[closey]

Check the successes forum to find out about all the wins.

[Plutos]

Deloran won today. See Deloran vs Natwest

 

From reading the forums they do seem to be holding out for as long as possible at the moment.

 

PL

[Isobel Daly]

Go to Bank Survey Charges Results on the iste map - there is a table of all the banks and the numbers of claims paid out. If you check each day it is very exciting. Natwest have had approx 6 claims paid out in the past few days. When I started my claim it was approx 90 something now it is 158 and that is only from people who have completed the survey results themselves. Probably alot more. Keep going11

 

Isobel