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Steel -v- Natwest


cassie1979
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Hi

 

I have been reading through the threads already on the system and have just applied for my bank statements for the last 6 years. I have just got back off holiday (when I got married). Before I went I cancelled all direct debits on the account because with the cost of the holiday and the wedding I was just going to put them all of for a month and then reinstate them. We got lots of phone calls while we were away to do with the charges which were amounting. I was told by Natwest that I did cancel them but the companies should have been contacted also, which I know is my own silly fault but I thought they should have told me. Anyway the upshot of this is that I have incurred over £400 of charges in two weeks :mad: :mad: .

 

I was wondering if anyone would advise as to whether I am better off going via the Financial Ombudsman or whether I am better taking it to Court.

 

If I go to Court I would like to take it all the way so that a precedent is set!!

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I think you will have to follow the tried and tested route used on this site to get your money back. I think thats your best bet. Doubt you will get to court, £400 to a bank is really isnt worth blinking over.

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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Hi

 

There will be a lot more from previous months as well as these charges :mad: . There must be almost £2,500 over the past 6 years. I just get all my bills paid and then the over the overdraft charge takes me over ready for the next month! Just a vicious circle! :Cry:

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Hi

 

There will be a lot more from previous months as well as these charges :mad: . There must be almost £2,500 over the past 6 years. I just get all my bills paid and then the over the overdraft charge takes me over ready for the next month! Just a vicious circle! :Cry:

 

 

Hi Casie,

 

Fraid that is what happens to us all - Have a good read around the site and start the process. Highly unlikely you will get to court as you will see from the NW successes.

Good Luck

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi Gizmo111 and thanks for the reply.

 

I am still waiting for my bank statements although it has only been a week so far but no acknowlegement yet.

 

I have totalled up the last year as I have these statements and this is coming up to nearly £1,700 so I can only guess what the rest will be.

 

I am a law student and fortunately I should be able to combine this with my studies for my disetation.

 

Cassie

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Great stuff Cassie, so in a nutshell you'll be getting paid to do your studies...brilliant.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Urgh, Natwest are a total bunch of ******!!!!

 

Well got the £400 back for the recent charges after lots of shouting! They have still not admitted it was not their fault:mad: . But they will not let me complain further. I have taken the advice of the Financial Ombudsman and will be sending a letter of complaint by recorded delivery! Will be going for the rest now, I have just got three years of back statements for one account but am still waiting for the rest. They have taken £5 from my account for this as well, so they have taken the money they can provide the service!

 

However I am trying to set up another account as a fall back account I have applied to Halifax but they have declined does anyone know of a bank that would be worth trying or whether one of the building societies would be the way forward. I have not got a very good credit rating.

 

Thanks in anticipation!! :rolleyes:

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Who did you complain to? If it was the branch then you can further to customer relations unit borehamwood, if you then it is Financial Ombudsman Service. It is true that the branch could have advised you to cancel them with the company, but why £400 charges if you already cancelled them with the bank?

I came I saw I helped. I could do no more.

 

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Thanks Emma I will have a look at that.

 

It turns out that the bank never cancelled them in the first place. They were all just lying about what had happened on the account, one person actually said since it is all computer generated and there is no human input mistakes sometimes happen. This is after speaking to about 6 muppets on the telephone who were all telling me different stories. Well I have got my money back for that mistake (although they are not admitting anything) will just have to wait and see for the next stage, but I have made a detailed telephone note of everything said in case I need it in the future.

 

I am sure that it is criminal what they have been doing .... giving me false information so that I cant complain and not giving me the full facts ... I would say that it is bordering on fraud!

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