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Hi all, i'm new here! First of all i would like to say what a great site this is, lots of information and knowledgeable people.


I ran up alot of charges a couple of years ago and managed to rack up a fair amount of my £3700 overdraft to cover these charges (naturally Nat West were only to happy to help).


I would like to get the ball rolling in respect of reclaiming these charges back, but fear that if i do, my bank will call in the overdraft (which i am in no position to pay at this time)


I've had no other charges in the last nine months because i have finally started to get on top of things, so the more time i waste now, the less i will be able to claim.


Not really sure where to go from here..... Any advice would be apprciated

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Well, how much of the overdraft is made of charges? When you get those charges back, would it maybe help wiping off a large part of it?


To be fair, NWB have not been made a habit of calling in o/d so far, but who's to say that they wouldn't change tactics in the future? :rolleyes:


Having said that, having an o/d called in is not the end of the world,and if they tried it, you'd just have to negotiate a monthly repayment to suit your pocket, and there's nothing much they could do if you kept to your part of the bargain... Anyway, that's a bit way off in the future, so don't let that stop you from reclaiming what's yours. ;-)


Please start a new thread in the Natwest forum, it will become your personal diary to which you will add your updates and queries as they arise, and you'll get answers there too.


Keep us updated. :-)

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Hi Ronin.


Spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions.

Send a Data Protection Act SAR letter. You will find this in the letter templates library.

When you receive the statements, enter the charges into the spreadsheet, which you will also find in the templates library.


Having done that, are the charges to be reclaimed higher than your overdraft?


Start your own thread in the Natwest Bank Forum and post any questions and progress reports there. You will be able to draw on the experience of other users who are also dealing with Natwest.


Good luck with your claim.


Regards, Rooster.

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