Embo V Natwest

[embo]

Hi,

 

I have received my statements now (it only took a week) and they are all in order.

 

I am sure i know exactly what i can claim back off these statements - However there is one thing I am not sure of.

 

On my statement for example:

 

Charges 6th Oct, AC:******** £6.00

Charges 6th oCT AC:*********£14.00

 

Charges 29th Aug AC:********£26.00

 

There are loads like this for different amounts over the years, but it doesnt actually say what they are charges for.

 

Can i still claim these?

 

Many Thanks

[Godders]

I'm guessing you have an advantage gold account?

 

See here:

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

I'd also urge you to change to a regular current account unless of course you feel you're getting your money's worth from the AG (it seems most people don't).

[embo]

Hi

 

Thanks for the reply.

 

Its actually just a standard current acount.

 

Most of the charges are more or lest spelled out - ie referral charge, card misuse etc.

 

But i have found quite a lot that dont have any explanation just "Charges"....

ranging from around £6 up to £38

And they all seem to happen at the end of each month.

 

Thanks for the link I read it earlier but couldnt seem to find the answer.

 

Do you think i should just try to claim them?

 

Many Thanks

[wemfish]

I can only answer as I understand it for an advantage gold account, but I expect that it will be similar for any account.

 

£12 is the monthly charge for running the account, there will also be an interest charge, all the rest is reclaimable fee's

 

The £12 will be lumped in with other charges if any so might not be obvious.

[kerriegeorge]

if its astandard account claim everything as the only thing u cant claim is a service charge - i.e advantage gold fee and u aint got one!!!!!!

[Guest NATTIE]

Embo- I have the answer and it isn't advantage Gold but unarranged borrowing. I have some links on my signature one which is charges throughout the years since 1991. Sorry I missed the thread. Can you confirm that the last charge was £28 not 26?

[embo]

I all thanks for your replies and help.

 

I managed to figure it out in the end!

My brain clicked into place - and all of a sudden I understood it.

 

Now i feel so clever - my prelim and schedule of charges went in the post last night.£4093 - without the 8% interest.

 

Perfect!

[tigerlilly24]

Embo, I'll be keeping up with your post (NatWest) as it seems we are both at roughly the same stage and i'm also going after a similar amount with NW. My LBA will go off next Friday, maybe before if I hear anything in the meantime ! We had the nice job of taking off all our Ad. Gold charges, but it wasn't too daunting, just took a while ! Good luck and keep us posted !

J

[embo]

Hi All,

 

 

I received a letter from Natwest (in response to my request for reypayment) and basically they have said were not paying you, take us to court if you like...

 

Do you think i should bother with the LBA - Or just go straight to moneyclaim?

 

Thanks

[katesage]

hi embo

 

you have to send the LBA as a formality to satisfy the courts that you have engaged in reasonable communication with them.

 

they are sending pretty standard bog off letters to everyone, stick to the procedure and you'll get there in the end.

 

good luck

[embo]

Thanks

 

Yeah thats what i thought - it just seemed so final if you know what i mean...

 

But i will send LBA any way then by the time that expires I will have been paid and can drag em through court!

 

Yey! 8)

[embo]

Since I sent my approach for reypayment letter i have aquired two more charges (almost £60) shall i add these to my schedule of charges and change the total on LBA letter ?

 

My thinking is that once i file a claim with the courts and give them a figure and schedule of charges, then obviousley i cannot change it if i get any more.

 

So i am thinking up until that stage i can change the figure and the schedule of charges.

 

Does that sound ok?

 

Thanks

[livelylad]

Since I sent my approach for reypayment letter i have aquired two more charges (almost £60) shall i add these to my schedule of charges and change the total on LBA letter ?

 

My thinking is that once i file a claim with the courts and give them a figure and schedule of charges, then obviousley i cannot change it if i get any more.

 

So i am thinking up until that stage i can change the figure and the schedule of charges.

 

Does that sound ok?

 

Thanks

 

Yes thats fine also ring and tell them what you are doing and that any future charges will be claimed for at a later date. :grin:

[Thailand]

They seem to want you to, i'd be rude not to!

[embo]

Thanks Lively - I will do that....

 

[embo]

It would be very rude....

 

Watch this space!

[embo]

Hi

 

I really could do with some help....

 

I am entering my particulars of claim - I am at this point:

 

5. Claimant claims: (a) return of the amounts debited of £4045; (b) Interest per S.69 County Courts Act 1984 of 8% - £928.25 continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. I cannot understand how to work this daily rate out!

 

Does any body explain to me how to do this?

Any help would be much appreciated.

 

Thanks in advance

[embo]

i think i have worked it out, would some body mind checking my figures - i was never any good at Maths

 

amount of claim: £4045

8% interest £928.25

 

total - £4973.25

 

times: .00022

 

= £1.094115 (daily interest)

 

is that correct?

 

ta

[embo]

Hi

 

I am in the process of filing a money claim.

 

However the schedule of charges is different now to the two that i have sent to Natwest previously.

This is because i have had extra charges which i have added, and also because i took a couple off from the front (because i didnt want to go over £5000)

 

Do you think it would be ok for me to send another (amended) copy to Stuart Higley (who has been my contact)

 

ta

[Michael Browne]

No, file at moneyclaim then:

 

Send 2 copies, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

When you receive the Notice of Acknowledgement send a copy to the bank’s solicitors.

[embo]

Hi

 

My claim was served on Natwest on the 5th November....

And they acknowledged it about a week later.

 

The only thing i have had since then is a letter from the court saying that they intended to defend..

 

To my reckoning, on Sunday 3rd December their time is up but i havent received anything in the post since the letter from the court.

 

Should I have received something from Cobbets - with their defence etc?

I thought i would have to fill in th cpr18 (or not fill it in

 

If any one can shed any light on this i would be grateful - i am worried i have missed something?...

 

Many Thanks

[Deller]

Cobbetts/Nat West seem to be one of the most awkward banks to break down at the moment and are certainly using up all their timescales permitted. You say that you filed your claim on the 5th Nov, well you should allow 5 days for this to be deemed served. They then get 14 days to acknowledge the claim. If they acknowledge, which in your case they have, they then get a further 14 days to file their defence. So basically they will get 33 days from the date you filed your claim. You should expect them to file their defence on or around 8th Dec, if they havn't done it by this date then I would advise you leave it a couple more days before filing judgement against them. Its not unusual to not receive any correspondence in this period, I felt the same thinking that maybe I'd been forgoten, its not the case though, they just seem to enjoy making us all wait!!

[embo]

Hi Deller -

It was deemed served on the 5th - i filed it a few days before this..

 

As long as it is usual not to have heard from cobbets - i wont worry just yet.

 

ta

[Deller]

Sorry dates wrong!! No nothing to worry about, like I said though they will get 33 days in total from the date you filed, so expect something around then!

 

In my claim they filed their defence right on day 33, typical Cobbetts.

[embo]

Typical!

 

I hope i get my money back before christmas - was feeling hopeful but not so sure now!

 

So after day 33 - how long was it unil you received your money?