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hiya...newbie being royally done by natwest.any help or hints greatly appreciated


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hiya i just sigend up need serious help on where to start trying to reclaim charges...since oct 26th had problems with my wages at work asked the bank for leeway with my account, cancelled all standing orders and dd's. This week had £78 taken in charges.£38 for a dd that was cancelled in may 2006 plus £40 penalty charges..once again it put me over my limit.....phoned bank they've agreed to refund the £8 and add £50 as a goodwill gesture.thats a laff........totted up & since oct 26th they have taken £656.58 from my account in charges...cant be right or legal.........where do i go from here and how far back?.....help please...........

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Hi and welcome to the forum.

 

Some of this info you will already know, so I apologise if you have already seen some of it.

 

The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way. This site is all about EMPOWERMENT and you will gain the confidence that you will need.

 

Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators and helpers really are a very helpful bunch.

 

You must always remember that this MAY lead to court, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off.

 

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

 

I have put some useful links onto the thread that you can refer to when needed.

 

Oh, and if they are useful please click on my scales at the bottom. This just shows that I have been a good boy!!

 

Good luck. See you at the other end……

 

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

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Guest NATTIE

You have an advantage Gold account. Welcome to the CAG. I am a bit of an expert on NatWest charges. It is legal but it is unlawful. You need to start with the FAQ's to begin with.

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not quiite sure where to start except as i said in my posting i know the charges have put me further over my overdraft limit and that i get charged on this. taking out interest and the £12 charges for the gold account since oct 26th i have still been charged £608.60 in various forms of charge..would like to start with this before i consider looking deeper into the account

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