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GRRRR Natwest!!!!


ricnju
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Hi

 

I am new to all this so please bear with me.

 

We are financially struggling and although we have started the ball rolling with cccs but natwest are constantly bombarding us with charges. Today for example they have deducted around £182 of charges for unpaid direct debits for about £142!!! If they can take the charges surely they could have paid the direct debits?? The ironic thing is last month we went overdrawn and they paid a few direct debits but didnt charge us. They were however trying to get us to take a loan out which we would have been paying forever and really could not afford! We have since refused their loan. We are putting all our income into another account next pay day but have no idea what to do . .we think they have probably had around £3000 of charges over the last few years . .we are trying to get straight but now we have to still pay these bills!!

 

Any advice?

 

Ric and Julie

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hi and welcome reclaim the charges is it advice as to how to reclaim them have you looked in the faq section

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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We have looked, but it all seems so daunting. We are struggling financially and just feel everytime we feel we are getting somewhere we get hit with tons of charges . .I am so shocked they can take that amount of money out . . I feel so overwhelmed by it all

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first thing to do is to send the s a r letter asking for the statements you will find this in bank letter templates section

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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hi there and welcome,

it does seem a bit scary and we are in a similar position, its almost designed so that you never ger straight and you pay every month over the odds to try and get back on track, but you cant becuase you are always playing catch up, with less and less money.

I would suggest seeing how bad things are and if you really are struggling then get in touch with the national debt helpline and they will give you some sound advice on how/who to pay first.

as for the bank charges, try not to be too overwhelmed as the process is fairly srtaightforward, and you will get your money back. It just seems like a lot to do. everyone here is great and there is so much help.

good luck and take care, and remember its your money, get even !!

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I can't believe how helpful you all are . thankyou so much.

 

We are seeking help with cccs who have set up a dmp but we just need to open a new account first.

 

It does seem so daunting but I can't help but wonder how much of our debt could have been avoided had these charges not been there!

 

Your advice is greatly appreciated!

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Hey ricnju- I have just said hello to you in the bear garden bit of the thread. So hello again and welcome to the CAG family

 

Edit: one day I will learn to spell your name correctly!!

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ricnju,

i know that the charges on our account have heavily been to blame for the debts we have now. Good luck with the DMP, just make sure your not paying anyone to do it for you, National debtline do it for you for free.

 

take care and let us know how you get on x

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your on he right path, read up loads and any questions ask away, put your thread in your bank forum and good luck.

 

 

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

Hi ric and julie,

 

Sit down together with a nice cup of tea and do what George says above.

 

You're in great hands here. Read some of the Natwest success stories posted above, and try and remember that a lot of the people in those stories started out just as worried as you. But they all won!!! :) :)

 

With the help and advice you are guaranteed to get from the senior members, You'll win too. Good luck,

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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Wow . .thankyou all so much . . Its Julie here and I am sat here in tears coz . . I don't really know why but am just so sick of it all . . we are going to open up another bank account (hopefully) and then get the ball rolling!

 

Will be here alot I am sure

 

Thankyou xxxxxxxx

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Hi, never give up keep fighting, there is light at the end of it all! You might get a lot of hassle from people you owe money to, you can stop them troubling you quite easily. Just read as much as you can here. :)

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Ok . .Just to update . .have opened another bank account and as soon as details are set will be sending the letter to the vultures telling them we want our money back!! In the meantime spending tons of time on this site so I get more confident and determined that we will get OUR money back!!

 

This site is amazing . . I am really believing we can do this, and I have told everyone I know (who are pretty much all being ripped off too) about this site!!

 

 

Thankyou xx

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Another thing I just wanted to ask is that our account is an advantage gold. I have read somewhere about part of our charges being a bit of our advantage gold fee which i dont really understand . .we pay a fee monthly so had no idea this was so high. Am I right in thinking when we work out our charges we will need to deduct the fee off or have I got all confused again??

 

Juliexx

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Basically you can claim back what is charges, you cant claim back what is a service, but you can but put it in your schedule of charges and await the banks reply, hope this helps. Many people are shocked at what they have payed over the years and this is the only time ive enjoyed seeing charges on my statements, good luck.

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Hi Ric and Julie,

 

Nattie has posted a guide to Advantage Gold in this thread --->

 

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

 

If you find yourself still stuck with separating the Adv Gold service fee from the total charge, don't worry; I'm sure Nattie will be along eventually and will help you sort that out.

 

This site is amazing . . I am really believing we can do this
Yes it is, (everyone is on your side here :) ), and yes, you can do this! I got an offer for full settlement today (£600); if I can win, so can you.

 

Best of luck.

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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