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Just got my first response from Natwest

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They've pretty much rejected my claim, and said that if I do decide to enter Proceedings then I should write to them at the Registered Office etc etc...


Is this normal? Do I just go ahead and send the follow-up letter or do I go on to make the claim via the Internet?


Plus I've had another £38 charge put on my account btw sending out my letter and gettin the response. Can I get that back too?



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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)


This is pretty standard from any of the banks - they attempt to put you off as early as possible. You can increase your claim at each stage as new charges come to light or get added to your account.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

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Hi all at the forum


I have received my 1st response from Nat West after asking them to send copies of my last 6 yrs statements, which arrived in 2 parts (all for just £10 too which is amazing given the charges they apply for doing nothing!!)


I calculated this which was over £4000 and sent the letter along with a spreadsheet requesting this back.


Aweek after sending this i received their response which says they are "under no obligation to explain how its charges are calculated and are not prepared to enter into any correspondence on this matter. The compliation is a confidential commercial matter."


They go on to say their charges are fair, reasonable & transparent and were applied to my account in accordance with my agreement with them etc.


"Consequently, against the background, we must differ with the views you have expressed and will not be refunding any of the charges"


It goes on to say they have considered the OFT's statement of 5th April 2006 and do not accept its findings and that the OFT has restricted its investigation to credit cards.


It says the charges applied were due to lack of covering funds (when else would they be charged??) and that they must stand.


As in some of the other replies it says if i pursue this i must write to their registered office.


Any halp in what i should do now would be appreciated.



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Hi Jeff

Confidential workings until it gets to the court and then the judge can ask them to show and prove what ever he wants, thats why they haven't been yet..:D


Have you opened you own thread yet in Nat west, you will need to do this as you have opened as a number on another new members hello thread, ( hijack)


You will find the "list of banks" link at the base of my post follow that to NatWest and get yourself started, members share experiences on here and its a hive of information.


As to what you do next, you follow the templates and keep trecking.



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