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Unpaid D/D reclaim

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Hi just want some advice for my second letter to NatWest.


On 18-08-06 I sent the prelim letter in the libary. Amount claimed was £76. No schedule of charges needed as I have every statement for last 3 years and thats as long as I've been with them. Got letter back today 25-09-06. Seems pretty standard apart from one bit, the bit in bold. irst I'll type the letter up so you can see for yourselves


thank you for your letter of 18th august 2006 and I apologise for any dissatifaction caused by the application of charges to your account.


we believe that our charges are fair, reasonable and transparent. we consider that the amounts debited to your account have been applied with your agreement with us and our published tarrif, which we are satisfied complies with all applicable laws and regulations. we are also committed to ensuring the transparency of the information that we give our customers about the operation of our products


We have considered and responded to the OFT's statement of 5th april 06. We do not accept the OFT's findings in relation credit card fees. We are concerned that the OFT has publicaly called into question the setting of charges applied to other other products including (1)current accounts. The OFT has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other entirely different products.


Consequently against that background we must differ with the views expressed in your letter. Despite this we have taken the opportunity to review the charges that have been applied to your account and as a exceptional matter we have agreed to refund you £76 as a gesture of good will. (2)Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges. how ever our T&C's will continue to apply and any charges that accure in the future must stand. if you agree to accept our offer on this basis, please sign and return this in the enclosed prepaid envelope. once returned arrangements will be made immediately to credit you account


how ever our T&C's will continue to apply and any charges in the future must stand. thank you again for taking the trouble to write and i hope that your concern is resolved to your satisfaction


Branch manager


point one - I have a step account not a current account. If that makes a difference


Point two - They offer me my money in full as long as I sign my rights away. LMAO yeah right. Do I send the second letter back, or does it need a alteration to request no terms attacted to settlment? Also I forgot to claim for 2 other charges as I wrote the letter at some untimely hour in the morning and just forgot to list all the charges duh. So I would like to finish this one off and go for the other 2 after.


Thirdly, I did ask for a £50 over draft 2 months ago. I got refused because they couldn't offer me a current account and step accounts don't offer any credit products. Now I wouldn't of had a unpaid DD problem if I had this service. I would like to try and use this situation as a leverage point in getting an overdraft for £100 to avoid furter situations.


To sum up I would like to ask if the stand second letter is the one to send back or does it need to be altered? and secondly anyone word part of the letter to ask for an overdraft stating I've already asked for one and if i had one it could stop any further problems.


Thanks for your help, Simon

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Hi sieski


Can I ask which address you sent your letter too.


I have been sent a pre-legal letter from them for a balance of -£111 which is all due to costs as I dont use this account as my wife and I have a joint account




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Hi sieski


Can I ask which address you sent your letter too.


My branch. I would suggest thought the address on your recieved letter would be the best to reply to.



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