Skyline v NatWest

[r33skyline]

Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?

[livelylad]

Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?

 

please can you explain

debit interest?

 

cash out and payment out no sorry.

[r33skyline]

L Lad

 

The debit interest

 

I have no explanation and its only £1.00 i shall ignore for the moment

 

thankyou for the help .

[livelylad]

L Lad

 

The debit interest

 

I have no explanation and its only £1.00 i shall ignore for the moment

 

thankyou for the help .

 

 

hi you cant claim it. only charges eg unpaid DD/SO CHEQUE referal Overlimit and missed payment. trhe FAQs help to guide you through the process:D

[r33skyline]

Can i claim

EXCESS BORROWING 2 OCT / 5 NOV 6 DAYS @ £3.50 = £21.00

 

INTEREST £17.75

[livelylad]

Can i claim

EXCESS BORROWING 2 OCT / 5 NOV 6 DAYS @ £3.50 = £21.00

 

INTEREST £17.75

 

 

are these charges because of another charges if that makes sense. did you eg bounce a cheque and this put you over threfore incuring this £3.50

[r33skyline]

EXCESS BORROWING

 

6 days overdrawn @ £3.50 per day

[livelylad]

EXCESS BORROWING

 

6 days overdrawn @ £3.50 per day

 

i understand that but what put you over the overdraft:D if its a charge then you can claim it back

[r33skyline]

Yes its a penalty for being overdrawn at £3.50 per day

 

from natweststaffmember

 

Originally Posted by natweststaffmember

Have amended the thread so that Uarranged borrowing fee formerly called excess borrowing is now there so YES you can claim them back

 

Hope that helps

 

 

NWSM

[r33skyline]

I have completed my spreadsheet with five years of charges

 

I have been looking for a suitable letter template to use to send with my spreadsheet asking for these unfair charges to be refunded to me

 

Does such a template exist ?

[Guest NATTIE]

Prelim Letter

[r33skyline]

Do i have to remove the 8% interest allowed by the courts ,at present my spreadsheet contains penalties charged and the 8% calculation with two seperate totals .

 

Yoy wish me to send this letter ?

 

 

edited to remove full letter.

[r33skyline]

Can i have a link to the correct letter please

 

I can`t search for something i don`t know !

[r33skyline]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-letter-preliminary-approach-repayment.html

 

I have this one but do i have to alter it as amounts for overdrafts are not applicapable

[r33skyline]

Not sure i like this letter if its the right one

 

Is this what is being recommended ?

 

LETTER REMOVED AGAIN

Letter templates are available in the templates library for registered users only - do not post them here

[barracad]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-letter-preliminary-approach-repayment.html

 

 

This is the correct letter.

 

Not sure i like this letter if its the right one

 

If you don't like it then write your own, but our letters are tried and tested and have been used successfully thousands of times.

[r33skyline]

Thats fine

 

I only wanted an answer regarding if it was the correct one to send !

[r33skyline]

I sent the spread sheet and prelim letter to NatWest and thet have written back to say their charges are fair ,reasonable and transparent

 

I claimed on the spread sheet

 

Excess Borrowing

Paid Referal Fee

Unpaid Items

Referal Charge

 

Copy of letter received fron Nat West

 

Dear Mr xxxxx

 

Thankyou for your letterof 16th September 2006 recieived at my office on the 3rd October 2006 about the charges you incurred over the last six years .I am sorry youwere unhappy with the service you received but grateful that you took time to write to explain why.

 

we believe that our charges are fair , reasonable and transparent.We considerthat the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff,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 to our customers about the operation and products.

 

In case you wish to take this matter further i have enclosed a leafletexplaining the options available to you.I hope you will not find it nesessary,and if there is still anything that you consider unresolved do call me on 02380273428 and i will be happy to help.

[r33skyline]

If their charges are

 

fair ,reasonable and transparent ..do i have a claim ?

[Michael Browne]

Does it say they're lawful? Yes, you have a claim.

[jane641]

Hi,

Just a little advice I found helpful.

Have a read of other people's threads (especially those who are quite a bit further down the track) as you will find that a lot of letters others have recieved from the bank are very similar and you can compare those you receive to them.

It gives you a lot more confidence when you know others are getting the same standard letters as yourself and winning their money back.

Good luck!

[r33skyline]

A copy of my claim through Money Claim as of today ...£ 120 court fee was a little expensive i thought .Trust i will be refunded if i win .

 

 

. The Claimant has an account 157XXXXX with the Defendant, opened 1990 2. Since 30/11/2000 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1455.50; (b) Interest per S.69 County Courts Act 1984 of 8% - £301.96 continuing at 8% until judgment or settlement at a daily rate of £0.32; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

[jane641]

Hi,

Yes, you will be refunded this money by the bank if you win.

It's time to sit back and wait for a while!

Jane

[r33skyline]

jane641

 

I have recieved this from Moneyclaim,where does this leave me ?

 

Nat West Bank

********

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

[Michael Browne]

It will be transferred to your local court, who will send you their defence and an Allocation Questionnaire