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Hjcollins v Natwest

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Hi there,

 

I have read through the FAQs, the step by step instructions on how to claim back charges and have also spent a lot of time reading the posts on the forum and theres lots of information to take in!

 

I have recieved copys of all my statements from NatWest since 2004 and since then have had £541 in charges from them for unpaid direct debits and referral charges which I have decided to claim back. However on my statements there are 5 charges of £35 which are described as 'Charges' only and I have no idea what that means, am I able to claim these back?

 

I am preparing my Preliminary letter using the template provided in the templates library at the moment and am going to post this off sometime this week. Just to confirm, do I send this letter to just my branch?

 

I have posted on this forum before about two or three months ago but have just been too busy to start the process so I am unsure whether or not I should of carried on with my old thread. I appologise if I have done this wrong!

 

Cheers

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Hi HJ.

If the bank has not named them, then assume that they are penalty charges and claim them back. If there is any query on it then you asked for your account data, and if it is wrong then it is down to the bank's non-compliance that the error has been made.

Do you know that you can claim charges back for up to six years?

 

You can send the letter to your branch. if and when you get a reply, then use the address on the reply letter for future correspondence.

Make sure that you keep copies of all letters you send to the bank and all replies you get back. And don't phone the bank at any time. Write only. That way there can be no dispute about who said what.

 

Your first post was the "hello, me newbie" post which you can forget about.

Use this thread for your NatWest claim and post any questions and progress reports here. Then you can be sure of getting the best help with your claim. Keep an eye out for Natweststaffmember. His advice is excellent and he's got inside knowledge;)

 

I will get the title of this thread changed to *HJCollins v Natwest* because it is now your battlethread.

 

Good luck with your claim.

 

Regards, Rooster.

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Thanks for confirming that for me Rooster! I shall get the prelim letter sent out to my branch address tomorrow!

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Good for you.

 

Incidentally, make sure that you stick to your own timetable. Don't let the bank try to delay or intimidate you.


If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Just to confirm from Natweststaffmember......he suggests that comms are best not dealt with at local branch level....maybe he can elaborate ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Guest NATTIE

Ok I need more info on the £35 charges....what exactly is the narrative?

With regards to the address forget the branch either Customer Relations Borehamwood or Bishopsgate registered office.

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Sorry Ive been reading the wrong lines......my fault! The charges with no explanation are for £20 and all appear on my statements as, with differing dates:

 

Interest 04April (account number) £2.39

Charges 04April (account number) £20.00

 

I understand the interest to be what was taken as a result of going over my overdraft limit however I do not understand what the charges for the £20 are as it is always taken out on the same day as the interest every time it appears on my statement?

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Hi, just to add regarding the £20 charges, the date which appears on the statment is different from the date in the description:

 

Date Details Withdrawn

30April Interest 04April (account number) 2.39

Charges 04April (account number) 20.00

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Guest NATTIE

Unarranged borrowing £20 and if you had an overdraft then interest on it if not then interest on exceeding overdraft and claimable. Customer Relations Unit Borehamwood for charges letters.

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Rite, Have sent preliminary letter using the template in the templates library requesting payement of charges to 135 Bishosgates address today along with a schedule of all the charges I am claiming (drawn up using spreadsheets by vamparess). So, now Natwest have 14days to reply to me although I am not expecting them to pay back my charges or to that point offer me a small sum of the amount they owe me.

 

Just a quick question, If Natwest do by any chance offer me a refund I would like it to be in a cheque. Should I have stated rthis in my letter or will it be ok to include it in my LBA since they are robably not going to cough up anyway?

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Well, what a surprise i had waiting for me when i arrived home this afternoon. A letter from natwest in responce to the preliminary letter for payment which i sent out on the 3 jan 07. They are offering to refund all my charges which i am claiming for which comes to a total of £536.

 

Does anybody know how i get this thread moved to 'successes'?

 

Thanks for all ur help

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Excellent!!

 

Please complete the bank survey……….and maybe a donation.

 

PM any Mod with a link to your thread and they will move it for you

 

Congratulations. Enjoy the dosh!!!

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Guest NATTIE

Congratulations!!

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