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Natwest - Need More Time to Pay a Loan


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The Adjudicator was wrong to say that the banks do not have to repay credit card fees since 2009. It was for Bank charges on current accounts that the Supreme court found in favour of the banks. The OFT had already said that credit card fees were reclaimable !

 

Ok so what is my best bet in getting charges back? How come so many other people get charges back but in my case neither the bank nor the ombudsman wants to know...? Does the Ombudsman never refund charges? What should I do next?

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can I politely point out you don't appear to have read any threads regarding claiming back charges according to your profile?

 

 

its a self help website too

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?439655-NatWest-Advantage-Gold-Reclaiming-fees(1-Viewing)-nbsp&p=4677234#post4677234

 

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?102-NatWest-Successes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have been reading and I thought I was going the right way about it. Please could you give me a little more of a hint where I am going wrong (or not)?

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Should I be making a meeting with the bank to discuss my finances?

And to prove to them that I am in hardship now?

They suggested I make a meeting but also said that they would not be giving any fees back even if I spoke to them.

 

 

The financial ombudsman also said that he recommends that I make a meeting with my bank.

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  • 3 weeks later...

I got this useful response from the Money Saving Expert Forum (in case it is useful to others):

 

'The adjudicator is correct. Since the banks won the court case, they no longer can force the bank to refund. They do encourage the banks to look at genuine hardship cases fairly though.

 

"What the banks need to make that decision and what you want to tell them are two different things. They can look at things you are not aware of. They will check statements for spending habits for example. So, if you have luxury items on there (sky tv, heavy mobile phone contracts, waitrose etc) then they can easily reject as your problems are more likely to living beyond your means than hardship.

 

"It is also not the banks job to contact you. it is your job to contact them. [...]

 

"You do not get access to an ombudsman unless you appeal an adjudicator decision. There is no point you appealing the adjudicator decision as it is correct. [...]

 

"Since 2009 when the banks won the court case, the banks only refund now as goodwill gestures for those in CURRENT financial hardship (arrears, defaults, living on breadline, caught in a spiral of charges) and those making first time errors."

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but as we all know MSE totally ignore BCOBS

 

 

we don't and ever al people have gotten their PENALTY charges back via that route.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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