Claim against NATWEST - after LBA

[Diceboy]

Hello,

First of all thank you for a fantastic site. After having read many of the posts and "how to" files I decided to claim back £957.00 from Natwest. I send them the preliminary letter on the 25th of september asking for a refund on. I received the following answer back from Stuart Higley;

"...We believe that our charges are fair, reasonable and transparent. We consider that the ammounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff which, we are satisfied, complies with all apllicable laws and regulations. We are also commited to ensuring the transparency of the information that we give our customers about the operation of our products.

Consequently, against that background, we must differ with the views yo have expressed and will not be refunding any of the charges applied to your bank account.

Having reviewd your account, I can find no instance where charges have been applied when they were not properly due. They have all been associated with a lack of funds in the account at the time items were presented for payment...."

 

Obviously not the answer I was looking for and having read some more posts here I am under the impression that this is a standard sod of letter from Natwest to whoever asks for a refund.

 

I presisted and send them the LBA on the 10th of October and have not received anything back yet. So I decided earlier this evening that Im gonna go through with the claim and registered it with MoneyClaim online.

 

I do appologise for rambling on here until I get to the question;

 

Should I had waited longer for a response? Should I write to them again and let them know that I have gone through with it and taken them to the court???

 

I would be grateful for any advice on how to proceed from here...

 

Many thanks

[callumsgran]

No you are fine, you havent done it too early at all. You have given them ample time before you claimed!

No need to write to them either, good luck!

[Josamolly]

remember its YOUR timeline all the way along. You have been more than generous, so off you go and good luck..

[Diceboy]

many thanks guys for the encouraging words, i gues i have to stick to my gunns and wait it out. ill keep you all posted of the progress

[breadline]

Hi Dice Boy

Your thread at this time is in the Welcome section and you will need to open a v's thread under Natwest which can be found at the bottom of this post under "list of banks"

Best of luck

BL