lordi234vNat West**WON**

[lordi234]

hello today i have received my last bank statements for 5 years,now the £5 ive been charged as gone over my overdraft i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.

now do i pay this £28 or just leave it. its my first time on the forum so i need info about reclaiming i am reading other reviews.

 

i had a credit card with Nat West it went to a debt collector Moorcroft and i dont know the charges ect so how do i reclaim when it goes to moorcroft.i only get statements for cccs.

[livelylad]

hello today i have received my last bank statements for 5 years,now the £5 ive been charged as gone over my overdraft i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.

now do i pay this £28 or just leave it. its my first time on the forum so i need info about reclaiming i am reading other reviews.

 

Ok you can reclaim that £28 and also the £5 they charged for the statements. You need to spend some time reading I suggest you start with the FAQs and the step by step instructions this will give you a sound knowledge of the process. Also read some success threads in your bank forum. There are links in my signature.

[Guest NATTIE]

Lively, not sure on that £5 as they were not as such going through the SAR route but agreed on the £28 Unarranged Borrowing Fee

[lordi234]

so i need to add up all the bank charges also the intrest since 2002..

[Guest NATTIE]

no since 6 years ago ie, february 2001, have you got statements from october 5th 2002?

[lordi234]

0ct4 2002 i didnt go over my overdraft most of 2002 just intrest since 2004 started bank charges £28 .

[Guest NATTIE]

in that case go for it.

[lordi234]

in that case go for it.

so do i just add up the bank charges btw £5 for the statements have gone over my £300 overdraft looks like another £28 bank charge next month .

[Guest NATTIE]

yes it will be and I think you should add that on as well.

[lordi234]

yes it will be and I think you should add that on as well.

do i need to send the .DP.A letter ive already got my statments .

[lordi234]

im in process of adding all my bank charges up since 2002,what i need to know do i write the dates down the £28 was taken from my account thank you.

[Guest NATTIE]

yes. and you're welcome

[lordi234]

yes. and you're welcome

just made a list just to say i was charged in august 2005 £28 i only was 15 pence over disgusting these banks well out of order.

[lordi234]

last week i went into my local branch i asked for my last 5 year of statements which i was charged £5.

 

anyway at that time i sent a letter requesting a list of charges ,now they have sent me a letter saying in order for us to progress this request please send the fee for £5 basically what do i do ive got them from my local branch!!!

ive added all my charges up so whats the next stage thank you.

[Guest NATTIE]

your next stage is the time consuming bit, adding up all the charges and coming to a total. Once you do you are onto the preliminary approach for repayment letter, you should make a schedule of charges ie date order, charge and amount which you will need to send with the prelim. Make sure YOU keep a copy of it as well, you may need it later on in the process.

[lordi234]

ive got a question need advice ive been paying NWB £7 monthly via ccs now can i reclaim that back with my charges and intrest ,and will i have to pay the overdraft off aswell . thanks advice much appreciated.

[lordi234]

in the schedule as any 1 reclaimed the money they have spent seding letters to the bank, im all set to send the prem recorded delivery plus £5 for my old statements, do others claim for everything..

[Guest NATTIE]

i am aware of at least one claim which was one which included it all, but i would make sure you record everything down

[Bookworm]

I am aware of a few cases (not just bank charges cases) where recorded delivery was not reimbursed. Judges felt that the system deems a letter delivered within 2 days o posting, and that it is not necessary, and is therefore not a reclaimable cost.

 

Having said that, no harm in including it, and see whether they'll try to argue it or not.

 

Incidentally, you do not need recorded delivery. Go to PO, and obtain a certificate of posting. These are free (bonus!), and prove that you sent the letter (not that it arrived), which is all you need to concern yourself with. ;-)

[lordi234]

well i added up all my charges ect sent prem on 5 march i didnt send it recorded is that a bad thing??

also i am being charged whilst prem is being dealt with im not going to pay them £28 or late fees.

so basically what do i do 22 march is the last day for them to reply.

 

thanks lordi

[laura_d]

Typical I'd say!!

 

Maybe someone with more experience can give better advice but I'd suggest sending your LBA on 22nd March and include the new charges (perhaps making reference to same in the letter, e.g. "I note since my letter dated xx/xx/xx you have applied futher charges to my account and as such my claim now amounts £xxx.xx as per the amended schedule as attached hereto").

 

Have a read through the forums, I've read somewhere that extra charges can be added on up until court time so you should be fine!

 

Laura

[dpick]

Laura d is correct you can include all new charges taken from your account up to entering claim in court.

 

good luck dpick:x

 

I have just run spell checker on this posting for your Lordi234VNat it came up with "ordinate". Think the spell checker could be with you as well

[lordi234]

Laura d is correct you can include all new charges taken from your account up to entering claim in court.

 

so i have to do another prem letter???

[dpick]

No on LBA letter include paragraph to say schedule of charges and totals reflect additional charges made on account to date of letter

 

dpick:D

[archer_66]

yes thats what ive done.theyre consantly putting on charges £88 this week alone! but after i had put my N1 into court.but previously id added other charges on telling them that since the previous letter additional charges have been applied so now the amount in question was different to originally asked and sent in a new list of charges too