ForwardThinker vs Natwest

[ForwardThinker]

I've sent the standard letter to Natwest requesting the refund of the bank charges and have received a reply from Mr Higley saying that they feel their charges are fair etc which I have read before (word by word) with other cases on this forum.

 

Just wanted to check, do I now start the moneyclaim procedure as I was a bit confused in the Step by Step instructions?

 

Thanks.

[Warms]

Hi

You send the letter before action first (the one that says you are disappointed they haven't replied more positively)...hang on, I'll give you the link...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-letter-before-action-consumer.html#post272

there you go

[ForwardThinker]

Ah I see, I thought so, but the wording in the template was wrote as if they hadn't replied, when they had done.

 

I've also got another reply from them about a separate account saying that they have requested copy statements for my account so that they can look into my claim, is this a normal stalling tactic?

[Warms]

Ah I see, I thought so, but the wording in the template was wrote as if they hadn't replied, when they had done.

 

I've also got another reply from them about a separate account saying that they have requested copy statements for my account so that they can look into my claim, is this a normal stalling tactic?

 

What I said in my LBA is: "I am very disappointed that you have failed to respond positively to my letter of the XX. August 2006."

 

About the other account: are you in the process of getting back unlawful fees for that one as well? If so: yes, it sounds like a typical stalling tactic...you did provide them with a list of charges, didn't you ("spreadsheet" in the library)?:-|

 

 

 

[ForwardThinker]

Ok, thanks, I'll put that into the letter to them.

 

With the other account, yes it's the same thing with bank charges, and yes I did enclose a list of the charges. I would have thought the bank could have pretty much instantly looked up the account, but there you go! If I don't hear back, I'll follow that one up.

 

Thanks for your help.

[Warms]

I would have thought the bank could have pretty much instantly looked up the account, but there you go!

Yes, that's what we all would have thought, mind you!

 

Thanks for your help

You're welcome!

[ForwardThinker]

An update -

 

With my other account, I got a reply as promised by them today, which is actually pretty quick all things considered. Anyway, they've given me the usual "our charges are fair" speech but offered me £185 for apparently being an "exceptional case"! I wonder how many other cases are exceptional!

 

However, my claim is for a little over £400, so this falls far short of what I'm trying to reclaim. I've heard on here people advise to accept their offer as a part payment and then continue proceedings to get the rest, but how exactly do I do that? They've enclosed a form for me to sign that says it's the full and final end to the matter. If I don't sign that, but send another letter, will they still send the part payment in a cheque or do I have to wait until later down the line?

 

Hope someone can help!

 

Thanks!

[ForwardThinker]

Sorry to bump ths, but does anyone know the answer? Thanks.