mad dog v natwest

[mad dog]

After being charged £38 for the return of a £10 d/d which put me £3 o/drawn, and getting the usual "sorry can't help you", on the phone. Have decided to take the plunge and try to get all my charges back from nat west. I have prepared the prelim letter, but even after reading through as much of the site as i could over the last week or so, i still have a question, When sending the list of charges with the prelim letter do i need to use the spreadsheet or can i just list date, reason, amount? Sorry this is so long winded and apologies if this seems a simple question. any advice most welcome

[Guest ian cognito]

It is wise to use the spreadsheet as this also works out the interest for you for the later stages when you go to court, as you probably will have to. When you send the spreadsheet into the bank, you can 'hide' (or take a copy and delete) the two last columns that show the interest then you will still have them when you need them.

 

If you need any help with the spreadsheet, please shout!

[mad dog]

Thanks for that will get onto it now and put it in post today

[mad dog]

At last got started prelim letter sent 17/10 (recorded delivery) suppose its just a case of waiting for the "no chance" letter now.

[livelylad]

At last got started prelim letter sent 17/10 (recorded delivery) suppose its just a case of waiting for the "no chance" letter now.

 

You never know sometimes they pay up at this stage, the process can sometimes be long but it is worth it in the end.

[mad dog]

Thanks one can always hope but i wont hold my breath

[mad dog]

Hope someone can help me. I recieved the no chance letter from natwest today, (only took a week) which surprised and worried me a bit in it they mention that my account is a "step account" with no facility for an overdraught does this affect my case? The other question is as i am not overly familiar with computers how do i find the start of my thread instead of having to search through pages of messages? Thanks for any help or advice

[Guest NATTIE]

No to first qustion, if you go to user cp and subscribe to thread you will be able to find it each time.

[mad dog]

sorted, thanks for that

[mad dog]

Sent lba on 06/11, but when i just looked at my saved copy realised i had dated it wrong so will resend tommorrow hope it doesn't confuse those nice people at natwest people.My own fault guess i shouldn't try writing important letters in the middle of the night. I will keep updating this just to keep an eye on the timescale, and to keep me on the right track.

[mad dog]

Reference the above post, can any one advise me as to wether i should wait for the 14 days from the original letter to see if they reply, or send the amended one, as i don't want to give them a reason to throw my claim out of court if it gets that far.

[Guest ian cognito]

I doubt your case would get thrown out of court because you wrongly dated a letter, if it was the case of an incorrect date on a contract that had direct implications on its conditions then it could be important but we are all human and allowed to make mistakes, even the banks do that. Correct the mistake if it will make you feel better but it doesn't have to be done as part of your 'timetable' or the processes suggested on this site.

[mad dog]

Thats great, thanks for your advice i think i will give them 14 days, as all the other details were correct and they do have my account no if needed

[katesage]

just to put your mind even further at rest mad dog....i completely forgot to date my LBA at all.

Higley replied back sarkily. 'Thanks for your letter, undated, but received here on the X of July'

didn't make a difference at all.....got my money last week:D

[mad dog]

Thanks katesage and congratulations on getting your money back.

[mad dog]

Recieved letter offering half of what i'm claiming yesterday, so today will send the "thanks but no thanks" letter and see what happens. Although the letter was signed for s. higley it came from borehamwood. Am i right in assuming that the reply should be sent to borehamwood, or should i keep everything going to bishopsgate. I realise that this has probably cropped up before but i have read so much my head is spinning.

[Deller]

Its best to send all correspondance to bishopsgate (registered office) until told otherwise!

[mad dog]

Thanks deller1, letters printed and envelope about to be addressed

[mad dog]

as i have been busy with one thing or another am only just getting round to sending off the mcol paperwork i will try and keep updating the progress of my claim. I dont know if its because i'm claiming against them but natwest have paid a d/d which made me overdrawn without charging me, although a couple of months ago they would have bounced it and charged me, is this a ploy to make me feel guilty and stop my claim.

[Guest ian cognito]

Has it worked?

[anon1]

be careful mad dog I think you will find an additional £30 referral fee next month to claim back if it took the account over your overdraft by £26 or more, unless its a STEP account.

[mad dog]

only for about a second, and i think my luck may be changing as it is a step account but i will keep an eye on it

[cheddar]

My hubby has a step account and got charged for going o/d by £2.68 keep an eye on it.

[knightreplica]

had a 38 pound charge for going over drawn 22 pence. i have a step account, and im claiming back 2500 and i will start another claim against them if they dont refund all the charges from the date of the claim too

[anon1]

With the referral charge, it is not charged on a step account so if the DD/SO/Cheque is paid then no other charges would be levied as it would on a current account, ie Unarranged Borrowing Fee, or Referral fee as the step account is exempt from this charge. Only charge that is not exempt is returning an item upaid which as the above two posters have said is £38