Have you asked NatWest for charges back and they said no?

[mariejader]

I handed 2 DPA letters into my local branch on Saturday, the few bank statements I have which is for Mar 2000 - Dec 2000 I have calculated at least £1k.

 

This was at a time we both myself and hubby were both lost of jobs because of company moves etc, so having all these additional charges placed upon us was not what we needed.

 

Thankfully we are now in a position where we don't have any charges, I cancelled all my dd's and only pay bills when there is free money, it takes time but the savings on charges is worth the effort.

 

Because we are no longer receiving charges will this effect our claim?

 

Also I cannot see any where in the FAQ section if the 40 days are banking days or just 40 days if someone could advise this would be good.

 

I wish everyone else luck with their claims.

[BankFodder]

40 days is just like Lent - neve stops.

 

Go ahead and claim your charges.

[mariejader]

Nat West Letter rcvd today:-

 

Thank you for your letter dated 10th March requesting copy statements since March 2000.

 

You refer to account number xxxx but this was closed in December 2000. The account presently open in you name is numbered xxxxx and this has been opened since prior to March 2000. I therefore assume that you require copies of the statements relation to this account. These have been ordered and I should be in a position to forward them to you within the next 10 working days.

 

Please do not hesitate to contact this office if you should have any queries concerning my letter.

 

Yours sincerely

 

David Forshew

Senior Business Associate.

[mariejader]

I called and checked that statements had been ordered for both accounts, as I knew the one account was closed!

 

Also how much would they charge me for statments they said they would be free

 

 

 

Abbey also returned my cheque today and said there would be not charge something funny going on I think?

[mariejader]

I have done a search and cannot find an answer to this if it's been mentioned before sorry but I have searched before posting

 

QUOTE From letter requesting payment

 

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by he taking by you of penalty charges which you had applied unlawfully to my account.

 

Can anyone advise me how long a default notice stays on your file?

 

I have a couple going back to 2004, which I don't know if they would still show on my credit score, so should I add the above comment or leave it out.

 

So what I am asking is will they still effect on my credit rating?

 

Thanks

[tarka]

Default notices stay on you credit file for six years - it may be an idea to get a copy of your files from Experian and Equifax.

[cheddar]

Default notices stay on you credit file for six years - it may be an idea to get a copy of your files from Experian and Equifax.

 

Don't forget CallCredit as well.

[dave]

There are too many credit ref agencies in my opinion.

 

One should be enough. Why do we need three?

 

Tighter regulation of this arena is needed methinks.

[Neo]

Totally agreed Dave, maybe this could be the next challenge?

[mariejader]

How worried should I be about this?

 

I have no credit cards all my bills are now paid, apart from the NatWest account being overdrawn by £400 (which I could pay back if I needed to I don't use this anymore and I pay £5 in every week to reduce the balance I could pay more but it's a principal thing),

 

I have just got a mobile phone on contract which I was refused a few years ago, I guess my credit score now is ok, am I wrong to assume this?

 

The dates on the defauls were 2004 if it makes any difference

[Seminole]

As someone has already said, they will remain on your file for six years after they were issued. If they have been satisfied (ie paid off) then they will probably not stop you getting a mortgage. However, even now they might stop you opening a business bank account, make it more difficult to get a personal current account or a credit card and mean that you would be charged a slightly higher rate on your mortgage.

 

How you proceed is your decision and whilst it doesn't sound as if you suffered any loss, you may, as a matter of principal, want to chase the bank about this. Why should they be allowed to put defamatory information on your credit file for not paying their unlawful charges?

[mariejader]

I have today posted my preliminary letter through the door of my local branch

 

I estimate they owe me:-

 

£2194.77 for one account

 

£650.93 for another.

 

One think I have noticed going through my statement the amount of interest you get charged by them compared to the pennies they pay you in interest, these banks must be making a small fortune

[Seminole]

That's how banks used to make their money. Mind you, that was when they were much smaller and they served the community rather than helping themselves.

[mariejader]

Thanks I have included it in my letter but was curious to see what effects it could have.

 

I have opened bank accounts recently and have a business account so I don't think it has effected me to much, but it's good to know what damage it could do.

 

Thanks for your answers

[mariejader]

I have now rcvd the standard letter in reply to my preliminary letter I sent to the bank

 

"We believe that our charges are fair., reasonable and transparent etc and charges must stand.

 

I also raised the matter ref the defaults I have been charged for and this was the response:-

 

Turning your question of the default letters issued to you, your account was not transfered to our Credit Management Services Dep and therefore your debt was unlikely to have been registered. The only way this can be confirmed is by obtaining a copy of the Equifax report, as this will detail all registrations. I cannot obtain this inforamtion on your behalf, but you could do so by completing the enclosed application form and sending it to Equifax. There is a £2 fee for the service, but if you were to obtain the copy fo the report and forward it to me, then I wil refund the £2 to your account. In addition, if the default has been registered I will arrange for the relevant entry to be removed.

 

 

 

 

 

So if they are saying they have not transfered my account to the Credit management services why did they keep charging me for defaults on my account, the other thing that I have also just remembered it they arrange for me to take a loan out at some stupid rate to repay the overdraft, so it must have been passed on.

 

Do they know what they are doing? As they are saying in one statement the charges are fair and in the other if they have put a default on my account they will remove it?

 

I guess it's now a case of sending the letter before action, any comments on the above would be appreciated.

 

Before I send for the Equifax report I have just applied for a zero % credit card, if I ask for my credit before I get the card will this count as a search?

[mariejader]

LBA handed to staff at my local branch 20/04/2006

[gregorious77]

did you get payed by natwest?

[mariejader]

Hi everyone and Happy New Year to you all.

 

I have a problem with Natwest again so I will try and keep it short and hopefully someone will be able to offer me some advice.

 

I applied to Nat West back in April regarding my charges on two accounts got letter back on both accounts saying would not pay up, at the time I had rather more pressing stuff going on to worry about following this on.

 

So in December I wrote to them again asking for my money back to my surprise I got a letter in the new year offering me £850.93 I checked my records and I had put a claim in for £650 and £2194.77

 

The first letter I received late December was advising that they would refund all unarranged borrowing card misuse paid referal fees accrued and as a gesture of good will and without admission of liability or error and the charges are fair reasonable and transparent etc, total £850.93 there was no mention of account number on my letter, so I called them and was told it was an error and the letter was wrong they were paying £2194.77 if I went into the branch they could fax the department for me so I could accept the correct amount.

 

So off I go into my branch explained the whole story and the customer service lady made some calls and advised that the £850 offered in the letter was for my account which I had closed, I was only asking for £650 she said they have given you more as a gesture of good will! so I accepted the £850 and made a point of writing on the letter and ensuring that their computer was updated to what she told me, that this was for the closed account.

 

This left me then waiting for the payment and an answer to my second claim which on Friday I got another letter offering me £1904.00 which was a bit short of what I had asked but I thought I would accept it and fax it back.

 

I have just called Natwest to confirm they have received my acceptance only to be advised that the letter offering me £1904.00 was an error as they had not realised they had already paid me £850.00 so all I am now getting is £1300.00 can they do this? the letter I got on Friday did not mention any deductions I explained they were two seperate claims, so now they have given me the snr customer relations managers direct line to call him but I woukd like some info before I call can they do this legally?

[mariejader]

Update, I have just called Nat West and asked why have they changed their offer anyhow to cut a long story short they have agreed to pay the £1900.00:-)

 

So I would suggest that if you have applied and they have said no send them another letter asking for the charges you may be successful second time around.

[paulrockliffe]

Did you get your money refunded without starting legal action?

[mariejader]

yes!!!!!!!!!!!!!!!! I only sent in the first letter, originally I asked in April and got a flat NO but early December I sent the same letter and have just received a pay out

[mariejader]

As the title say's Have you asked NatWest for charges back and they said no and then not taken your claim any further?

 

 

If this relates to you then I would suggest that you write to them again:?

 

I sent my origianal letter to them in April and got a reply charges fair etc at the time I did not have enought hours in the day to continue with it so I did nothing.

 

Early December I decided to start again so I pulled out my original letter and changed the dates and sent them off again, and they have just agreed to pay up:) :) (Yes on two accounts and on the first letter)

 

So I would suggest that you do the same

[paulrockliffe]

Good stuff! Hope I have the same luck......

[silverbird]

Congratulations, but please be aware that they've still won in a way - they've not paid you every pound and pence that you were owed.

 

A lot of users on here have been offered settlements, but have refused and got every penny back.

 

However, the offers do seem like the best settlement offers I've seen on here, particularly from NatWest, so well done indeed!

[mariejader]

The difference is £90 in their favour as they over paid me on the first claim and the second I think I claimed to much anyhow so in all I am very happy with my payment and with no stress either