Bad news for any RBs Group (inc Natwest and all the others) credit card holders

[Guest NATTIE]

Please read post 1 before adding futher to telewest's. It says that unless you ARE going down the legal route then no refund will be given. I hope that what he has written in that post is reading as well as I am reading it.

This thread was giving information which is what is happening today within RBS Group.

[cariad mo brwydrwr]

I have just had a refund of over £5k from RBS without going down the legal route. I sent all appropriate letters etc, but settled before filing a court action. The same happened with another member of the RBS forum who settled for £6.5k without any court action involved - both of us in mid October.

[dave]

Its not up to the consumer to prove anything at all, it's up to the bank to prove that the charges are not unlawful and put simply this cannot be done.

 

Actually, if you take legal action against the bank, then the onus of proof is on you.

[krimewave]

can anyone confirm whether or not this applies to natwest bank accounts too, or is just relevent for their credit cards?

as I am in the process of reclaiming charges on 1 current account and 2 business accounts..

[Guest NATTIE]

Please please please read post 1, sending a letter asking for charges or you will sue them IS going down the legal route. You may get a token GOGW refund without threatening legal action but not a full refund unless you threaten court action.

NatWest will not refund prior to filing at court.

[gforce]

Joa, I wasn't suggesting that the result would have been the same if the charge total was higher. Perhaps they refunded the charge because he is rarely late with a payment, perhaps they didn't want to lose his custom, perhaps he was just lucky, who knows! All I'm saying is that it IS still possible to get a charge reversed/refunded without resorting to legal action:)

Ok he had to speak to 3 people before he got someone who had the authority to do this but this took less than 5 minutes - well worth it in my book.

[Guest NATTIE]

A GOGW refund maybe, but if it happens again the answer will be NO. A one off GOGW may happen as it does with many other providers of Credit Cards, but any more would stand.

[cariad mo brwydrwr]

sending a letter asking for charges or you will sue them IS going down the legal route.

 

Sorry, all I meant was that I didn't have to do anything via the courts.

 

Although I have had charges refunded in the not too distant past simply by calling my branch and having a moan!

[Godders]

NatWest will not refund prior to filing at court.

That's not my experience. I queried a £28 charge over the telephone only a couple of days ago. The chap at the lending centre said i had a gone about £3 over my o/d sometime in October. He then went on to say that because it was only a few pounds over he'd refund the charge, I didn't even have to ask!

 

I can only assume that either they've changed their policy again or that this just apllies to RBS credit cards (either that or the fella I spoke to didn't get the memo).

[Ferru]

Hang in there!

 

Barclays like to play a game of brinkmanship- they finally agreed to pay what I was asking for at about 3.30 pm the day before the case was due to go to trial!

 

Jeff

 

On a separate note, maybe that will push more people on the litigation path... I aked Barclays for a refund of £30, they said no, so I sued them for the lot, claim is standing at nearly 500 quid now...

[indebtstudent]

This is nothing to worry about, Nationwide changed its policy a little while ago. Formerly staff could be confident that the faceless people at head office would refund a charge the first time. This helped to keep customers sweet as , on the whole, people don't have returned items all of the time.

 

A few months back they changed this policy (with VERY MINIMAL communication with staff - we found out by expereince) to say that refund would only be given if there had been a Nationwide error.

 

This has, I am sure, merely added to the numbers of people putting in SAR's and claiming all charges in full. Shouldn't come as a surprise then that, last month, we were given a long list of situations in which refunds should be given.

 

This won't change anything of course, all the earlier policy did was lose Nationwide money and customers, and now we're shutting the stable door after the horse has bolted. The secret is out and all banks and building societes are onto a loser. The truly ironic thing is, pretty soon, they would do better to acknolwedge this fact and refund at the first letter thus minimizing the interest they pay.

 

What would I know though :0