Vicky v Natwest

[vicki1977]

Hi

 

Have started new thread as ask.

I have an advan gold account and they have only sent me through 4 years of bank statements, i will be writing back and asking for the other 2 years. Not sure what i can claim for, not sure what is chg's for the advan gold.

 

This is what my chg's were for the 4 years

 

Interest 182.15

Charges 1116.00

Refaral charges 920.00

Card missuse 50.00

Unpaid items 90.00

 

Total £2358.15p

 

Please help!!

 

vicki:?

[kerriegeorge]

as far as i know you can claim all card misuse, overlimit, referral etc charges. Not the interest applied to your account but you can claim 8 % interest on all of your charges - see spreadsheet in library for how to calculate. As for advantage gold account charge its usually between £9 or £12 i think? you cant claim this as its a service not a charge.

[vicki1977]

I phoned up NatWest bank and asked how much the chg was for an advan gold account and they said £12.00p and it would just say charges next to it. So do you think i add up £12.00 per month for the last 6 years and then take that off my figure and then minus off the interest as well. Hope i am making sense.:?

 

Thanks for your help

vicki:)

[Guest NATTIE]

vicki- I have posted on the NW forum as to a guide to the charges so that it will help calrify all those questions you have as the adgd charge of £12 was from june this year and had previously been £10. Hope that helps

[vicki1977]

Thankyou went on to your nw forum about ad gold and it really helped. my total was 2358.15 and i - off the ad gold chg's which was 398.00 and then i - off interest of 182.15 so that brings it down to £1778.00p

 

But still have to wait for the rest of my bank statements as they only sent me 4 years worth and not the 6 years. And i asked for both accounts so waiting on my current account statements. thanks

vicki:)

[vicki1977]

Just a quickie why can you not claim the interest what they have chg'ed you????

[orfoster]

If its interest from an un authorised overdraft i thought you could claim the interest if the interest is occuring as a result of bank charges??? Am i wrong people?

[vicki1977]

Hi

 

Not sure what the interest was for? It's at the end of every month where there is a charge, after there is also interest taking out as well but it doesn't say what for it just says interest then the amount? so i dont no to claim this or not. Have been looking on other threads but can find an answer.

 

vicki:)

[orfoster]

no im not too sure about this one either. im sure someone else will come in and answer this one for you. My thoughts are yes you should be able to claim it back as the reason you are o/d is because they are charging you.

[vicki1977]

Hi

Just an update i received the rest of my bank statements in a tatty ripped brown envelope today!! But i did ask them for both of my accounts statements. Because i have received one lot can i carry on and claim for them and when i do get me other account statements them claim for them? Or do i have to wait for both accounts and send them together??????

[Bookworm]

Up to you. If total for both accounts is nder 5 k, you might as well do it in one go, if over 5k, do 2 claims.

 

Interest:

Yes, you can reclaim the portion of the interest that was due to the charges, but not the portion down to you using the o/d.

[vicki1977]

Ok i will write a reminder to tyhe bank about my other account leeting them no the 40 days still satnd they have until the 19th sept.

 

vicki

[vicki1977]

Need some help please!!

 

Just going through the rest of my statements what came today and i have a charge, thus is what it says

 

,charges PLP PREMIUM 920.00

 

now i did have a loan so has this got something to do with that? Because my loan went in on the same day for4920.00. But is this a chg i can claim back or not? as i don't remember what it was for????

 

thanks vicki:?:

[vicki1977]

Hi, Sent a reminder for my secound account statements. In the meantime i thought i would get on and send in my 'request for repayment of charges' Schedule. When i posted it i realised i did not put in the copy of my charges!!!! So today i wrote them a letter saying

 

 

 

Please find enclosed the schedule of charges to go with the Request for repayment of charges,that i sent you on the 13th 09 2006, for my account ********

 

yours faithfully

 

vicki morgan

 

Do you think this is ok!!!!!!

 

Or will they think i don't no what i'm doing and not take me serious?????

 

please help.

thankyou

vicki

[Guest NATTIE]

Vicki you're doing fine and Good Luck

[vicki1977]

HI

 

well got a letter from natwest offering me £55.00p:-x

 

i will turn it down so i guess i now copy the letter before action template from the library!

 

secondly i still have not got my bank statements for my second account i asked for them 1st on the same letter as my other account which i sent to them on the 10th august 2006. so what do i do now????? do i phone them and ask cause they are well over due.

 

please help

 

vicki:shock:

[Guest NATTIE]

yes

[vicki1977]

Ok have phoned natwest for the current account statements they appoligised and will get them to me straight away, they are well over due.

 

sent the letter refusing the £55.00p and got a letter back 2 days later telling me they have received the leeter and they will pass it on to the right people to get it dealt with properly. is this a standard letter what every body gets??? Just have to wait 12 more days now to find out what they say has any body ever got there full money sent to them at this stage?

 

 

thanks vicki

[vicki1977]

just a quick update, got at last some of my current account statements which i ask for on the 10th august, well over due now i just have to ring back and ask for 2000 to 2002 !!!!! i wonder how long that will take. then i will start calculating my charges i done 2002 to 2006 and its £1053.00p so far. all worth it if they pay out!!!!!! Thanks for every bodys help on this site will give 5% donation.

 

vicki

[vicki1977]

got a letter from natwest this morning offering me £900.00p !! Im claiming 2252.00, but the letter they give me was a bit worring it said all stuff about the banks chgs being fair and that you could only despitue credit cards??? so i don't no what to do now ? do i accept that 900.00. Has any body ever accepted part payment and got it and then gone on to get the rest or does this not happen??

 

Please let me know??

 

Thanks

vicki

[Godders]

got a letter from NatWest this morning offering me £900.00p !! Im claiming 2252.00, but the letter they give me was a bit worring it said all stuff about the banks chgs being fair and that you could only despitue credit cards??? so i don't no what to do now ? do i accept that 900.00. Has any body ever accepted part payment and got it and then gone on to get the rest or does this not happen??

 

Please let me know??

 

Thanks

vicki

Their letter sounds standard, don't be intimidated by it. What most people do is accept partial offers as part payments but make it clear that you will still be pursuing the rest. They will probably withdraw their offer after this but don't worry.

 

Template letter here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

Of course whether you want to accept the offer or go for the full amount is entirely up to you but these tactics aren't out of the ordinary and as I'm sure you know they are eventually paying the full amount in most cases.

[vicki1977]

ok thanks made up my mind and we are not going to accept! the 14 days was up today anyway so now i take them to court? do i write to them telling them that this is what im doing or not? been reading other posts but what do i actuall do now? very stuck?

 

thanks

vicki

[Godders]

Read the FAQs and step by step instructions.

 

Assuming you've sent a preliminary approach letter and a letter before action and are still not satisified with their response then the next stage is court action. You don't need to tell them about it, assuming you used the templates here they will be well aware of what you're going to be doing if they don't pay up.

 

There are templates for 'particulars of claim' for both the online form (where number of characters is restricted) and the Paper N1 form.

 

I personally would use the N1 form as it allows you to provide very full details of your claim and you can also include a schedule of what you're claiming which in turn prevents them from stalling later by claiming they don't have sufficient details.

 

Having said that people have used MCOL and have been successful so it's your call.

 

Good luck.

[paulusii]

Hi Vicky,

This is a standard letter and should be refused if your confident enough to go for the full amount in court.

The bank owes me 2500 similar to you but only offered me 280 so I just ignored it and sent the LBA from the templates library.

You have a pretty good offer from the bank so its upto you wether to fight on or not.

All the best.

Paulus;)

[vicki1977]

Hi

 

Have just come back from a few weeks away, so thought i would update.

 

Ineed an address for the money claim for natwest i don't no if i put in my branch address or not? some advice in that would be good.

 

and secondly i still have not received the other half of my bank statements i have sent them a reminder letter (recorded del) and telephoned them twice now i sent my reqest off on august 7th.

 

i just need 2000 to 2002 some one told me to estimate the two years but then what happens when i go to the mcol ? you no i could estimate anything £5000.00p so any advice would be great.