Scarletrose V NatWest *** WON ***

[Guest Scarletrose]

Hi i am new to this so please bear with me,

me and my husband was contacted by our cousin who had succesfully claimed bank charges from the Halifax.

I seemed a good idea to then ask for the bank charges that we have been charged by our bank Natwest. so I phoned natwest and asked them to send me the last 6 years of statements which they did within 7 days.

I then completed the first letter and spreadsheet indicating all the charges and the 8% interest which came to £2833.93 which i sent special delivery, this guaranteed next day delivery by 1pm which wouldve been 17th October 2006. The 14 day period which they are told to reply within in the first letter (i am assumming this is 14 days from when they receive the letter) expires on 31st October 2006.

we have not heard anything from them as of yet and we are at a loss as to what to do if they dont reply by the aforementioned date.

If this makes sense to anyone or if you know what to do in this instance, please, please, please, could you tell us? thanks very much in advance to anyone who answers our plea.

[Guest Scarletrose]

Hi i am new to this so please bear with me,

me and my husband was contacted by our cousin who had succesfully claimed bank charges from the Halifax.

I seemed a good idea to then ask for the bank charges that we have been charged by our bank NatWest. so I phoned NatWest and asked them to send me the last 6 years of statements which they did within 7 days.

I then completed the first letter and spreadsheet indicating all the charges and the 8% interest which came to £2833.93 which i sent special delivery, this guaranteed next day delivery by 1pm which wouldve been 17th October 2006. The 14 day period which they are told to reply within in the first letter (i am assumming this is 14 days from when they receive the letter) expires on 31st October 2006.

we have not heard anything from them as of yet and we are at a loss as to what to do if they dont reply by the aforementioned date.

If this makes sense to anyone or if you know what to do in this instance, please, please, please, could you tell us? thanks very much in advance to anyone who answers our plea.

[Michael Browne]

Send the LBA on the 31st, without the 8% interest included in your shedule of charges, you can't claim this until you file at court. It doesn't matter they haven't replied.

[Guest Mumofthreeboys]

Have you included the 8% interest in your claim? This should not be included until you submit a court claim.

[Guest Scarletrose]

Hi thanks for answering my plea, yes i have already included the 8% interset charges as i was told to do so by cousin, will this make a difference getting my money back?

[Guest Scarletrose]

Hi thanks so much for contacting me i am going to be true to my hair colour and ask a really dumb blonde question but what is an LBA, and yes i did include my interst charges of 8% because my cousin told me to will this affect my claim?

[TETSUO]

LBA is the Letter Before Action, it can be found in the templates section. It sounds like you mightnot have been through the FAQ's section, or maybe not spent enough time in there. It's really worth doing that, so you get a clear understanding of the whole process.

 

Good luck!

[Guest Scarletrose]

Hi yes you are correct i hadn't until now spent anytime in the FAQ section i never even knew about this website until i came across it yesterday, we were just emailed by our cousin with the step 2 letter to send and the spreadsheet, he told us this is what he had done just sent the letter and charges with the 8% interest and he had received all his charges back within the 14 days he never told us about the website and the procedures before and i am just now realising he has sent us off blindly and half cocked, i will send the LBA letter on the 31st october having now read toiletbandits thread i think i will have a fight on my hands with natwest. Do you know anyone who has had better success with natwest without all the court stuff?

[marmot]

In the claim should you subtract £12 per item as this would be a fair charge?

[BaldyBaldwin]

marmot, who says 12 pound is a fair charge? do not subtract anything, just claim the amount that they have charged you

[nona]

Marmot,

The £12 is a red herring. Claim back everything they have charged you and BTW start your own thread in your bank's forum. You will get all the relevant advice to you then.

Good luck

Nona

[Guest Scarletrose]

Hi can anyone tell me how to calculate the overdraft interst for the LBA letter, as i said i am a dumb blonde, who needs help i have already made a few mistakes because i was given bad infomation at the time of sending 1st letter dont know if it will affect my claim, however will continue as planned until i know for sure i still havent heard anything from natwest and there 14 days are up tomorrow.

[Guest Scarletrose]

I have just come backfrom the post office having sent my LBA to find a letter from Natwest waiting for me, the deadline for contact is today, the letter thankyou for your patience whilst i have been looking into the charges you are querying. i am sorry that we have not yet resolved matters by now, i am not able to respond fully as i am still investigating the situation for you. please accept my apologies for delay i will contact you again within the next 2 weeks with an update if not a full response. we are here to help so if you would like to discuss this further please call me on xxxx and i will be happy to help.

yours sincerely Anna Wood cust serv officer.

2 questions firstly does this mean i shouldn't of sent my LBA letter secondly would contacting them by phone to see what they are up to be a bad idea?

:confused:

[cheddar]

Its a standard letter, not nice but a delay tactic, you keep to your deadline and don't worry.

[Guest Scarletrose]

Hi thanks for getting back to me so quick io didnt realise it was a standard letter and i guess because of the threads i had read all mentioning nasty replies or no reply at all i wasnt expecting that kind of a letter, i was expecting a more threatening one so it caught me off guard a little and did make me wonder if i was still proceding correctly, i guess the next letter i receive from them will be more of the kind i'm expecting ie. we wont give you a dime so go away.

[cheddar]

Response to LBA is usually 'sorry to hear you're not happy, serve papers at our registered address'

 

I have seen your letter above a few times though, its just to throw you and see if you will wait for them, no point when they're replying to other people within 14 days.

[Guest Scarletrose]

Thanks i will wait for that letter and then check my next step, but i was wondering if you could help me further by telling me how i can change the 'basic account customer' which appears under my user id, because i am in fact a advant gold cust, would be most grateful if you know how to. thanks again for your help so far.

[Guest NATTIE]

I know why the letter is being sent out and it is not necessarily a delaying tactic, which i am hearing more and more, however, you must always stick to your timetable not theirs. Letter 1 prelim you state 14 days if not reply LBA stating 14 days and court action, no reply or no full refund you sue. You are in control and the bank is not using you as a carpet and walking all over your timescales. Be the boss this is your money. Good Luck

[gizmo111]

Thanks i will wait for that letter and then check my next step, but i was wondering if you could help me further by telling me how i can change the 'basic account customer' which appears under my user id, because i am in fact a advant gold cust, would be most grateful if you know how to. thanks again for your help so far.

 

Your status changes with time and posts on the site - it is not actuaslly what account you have

[tbern123]

This sounds very similar, to a standard 20 Day holding letter that Banks must send to customers under the FSA complaint handling regulations.

 

When you make a complaint banks must

 

1) Send you an acknowledment letter within 5 workings

2) If unresolved a holding letter after 10 days (optional)

3) If unresolved a 20 day holding letter, stating when they think they will respond

4) If unresolved 40 day holding letter and enclosing a FOS leaflet, letting you know that you can take your complaint to them

[cheddar]

I appriciate it may not be a delay in all cases however we know what the answer is going to be when it is always a standard letter. As NWSM said you stick to your deadlines. The reasons they do things the way they want to is nothing to do with it.

[Guest NATTIE]

Tbern has hit the nail on the head, FSA complaint handling letter or "concern" in NW speak

[cheddar]

Yep, standard letter

[claire lloyd]

Dear All,

 

I sent off my LBA today (not registered but now realised should have done). Am keen to get my claim ready for the 14 day deadline and realise that next step is form N1 either from template or from court.

 

Can i just ask a silly question? Can you use any court or do you have to find the nearest to your home address? Is it that court name that you write at the top of the letter?!

 

thanks it's late and i've been reading this site for hours!

[nagumos]

Hi there, Im not sure, I did MCOL it was allocated to the court in Nottingham, then after a few weeks it was allocated to the town that I live in, sorry i cant help any further:p