heb-v- natwest

[davethecabbie]

im helping my sister in law to claim back her bank charges.i have all of her statements for the last six years but there is something on them that is confusing me.the earlier ones show a service charge of £6 which rises to £12 over the years.i know that service charges cannot be claimed back but on some later statements this figure rises to £38 the same as their normal charges,there is even one for £40.im not sure why it has gone up to this figure or if it can claimed or if it is still a service charge.has anyone else come across this on their statements.there are also paid referral charges on some earlier statements for £25 i take it these can be claimed back as well

[lee in wales]

Hi dave, you cannot claim back service charges, by the sound of those £6-£12 ones they are for advantage gold acc. I think the other charges come up on statements as acc. charge which can be claimed back so can referral charges if unsure have a look through this http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

hope this helps, good luck and keep us posted

[RobberBank]

Up until around late 2002 the fee's and charge's are shown seperately but from then they're merged as 'charges'. You need to seperate them out and claim the amount above the Adv Gold Card fee.

[davethecabbie]

the earliest that this amount shows up is nov 2005 and is still shown seperately from unpaid item charges.

 

this is how they appear on the statement.

 

30th nov charges 04 nov a/c******** £38

7th dec charges unpaid item £38

 

the first charge doesnt seem to relate to any other charges but appears in the same place and at the same time each month as the previously entered service charge.

[RobberBank]

The first includes your Adv Gold fee........the second is an outright charge.

 

Deduct the Adv Gold fee from the first and claim the rest....and claim all of the second.

[davethecabbie]

ok thanks robberbank i still cant see where the additional portion of the service charge would have come from though or is it some extra penalty thats added on a whim by the bank.

[RobberBank]

If you read all the way through this several times......i know i did to actually get to grips with it.....you'll understand what they're for.

 

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

[dantracey]

Hi Dave,it does sound as though you have an advantage gold account ove r, Natwest charge for this service every month, if you see any of the below amounts you can break it down from here.

 

http://www.consumeractiongroup.c o....borrowing.html

 

UAB-unarranged borrowing fee

ADGD= Advantage gold charge

 

 

Charge £20....£14 UAB and £6 ADGD fee, or £29......£20 UAB and £9 ADGD fee

or £37.........£28 UAB and £9 ADGD fee or £38........£28 UAB and £10 ADGD fee(please do not confuse this last one with the charge for bouncing a DD/SO/cheque- the narrative for that will be clear).

 

Please read the FAQ section as this will guide you throught he process

 

Good luck

 

T

[davethecabbie]

i think ive got that bit sorted now.i now need to send off the pre-lim letter.ive looked through the thread with all the contact addresses and not sure which one to use as there is so many different ones.

[lee in wales]

i sent mine to their registered address 135 Bishopsgate London EC2M3CR

[davethecabbie]

thanks.as i already had the statements i havent actually got a starting point and this is my first contact with them.

[dantracey]

bishopsgates the one i sent mine too

[Shazzam]

Hi heb been reading your thread and dantracey is right. I too had all my statements Bishopgate address is where I sent mine. Good luck.

:smile:

[Shazzam]

Sorry didn't make that quite clear I sent the letter there not my statements. It's been a long weekend.