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Stephanie v NatWest **I WON * I WON**


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Nice one Haydn, hope it all goes well for you. (Im sure it will ;) )

 

Didnt see Eamon tho soz.

 

Steph X

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Hi there,

 

I'm confused about the spreadsheet and interest as well. If interest charges change all the time how does the spreadsheet know how to work it all out? And do you claim interest from the start in the prelim letter, or only if you go to court? I have unearthed £967 of charges over the last 6 years by Nat West.

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Its only claimed when you go to court. I know i thought that about the spreadsheets too but they are clever. Everytime you open it the balance updates and when you go to close it it asks if you want to save changes which will be the updated balance.

  • Confused 1

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Its only claimed when you go to court. I know i thought that about the spreadsheets too but they are clever. Everytime you open it the balance updates and when you go to close it it asks if you want to save changes which will be the updated balance.

 

I thing bexsy64 is talking about he banks interest rate changes all the time. ie One month the unauthorised overdraft interest rate might be 16.9% and then 6 months later they send you an amendment to their terms and conditions stating the unauthorised interest rate will be 19.6%...

 

Unfortunately I haven't looked at the spreadhseet yet so don't know is the answer....

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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I thing bexsy64 is talking about he banks interest rate changes all the time. ie One month the unauthorised overdraft interest rate might be 16.9% and then 6 months later they send you an amendment to their terms and conditions stating the unauthorised interest rate will be 19.6%...

 

Unfortunately I haven't looked at the spreadhseet yet so don't know is the answer....

 

Yes that is exactly what I meant, but I have now sent the prelim letter without adding any interest and am about to send the letter before action. I'm assuming that they won't respond to that either, so then I will go to court and charge 8% interest as per the spreadsheet.

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Thanks

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