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de Mora vs. NatWest


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Hi All!


I've never done anything like this before - but after being charged another double-whammy of two £38 charges by NatWest, I've decided enough is enough and I want my money back. I've ordered my statements for the last 72 months, and I am looking forward to going through and calculating the amount they owe me. I was a degree student for 4 years during that period, and my account was hit by fairly regular charges during that time, so I almost dread to think how much they've taken from me over the last 6 years.


The double-whammy I referred to earlier is where I recently had not quite enough money in my account at a time when a Direct Debit was applied for (I think I had a shortfall of about £4) - and instead of paying the DD and making me £4 overdrawn, Natwest has applied a charge of £38 to my account (which is about £10 more than the DD was for), which has pushed me into unauthorized borrowing, for which they have applied another £38 charge. So now I'm about £52 overdrawn, and I still have a £28 direct debit bill to pay. Rather than having the bill paid and owing my bank £4. I have had this happen to me a few times in the past - I'm wondering, has anyone else seen this sort of behaviour from NatWest?


Anyway, I don't think I'm going to bother with asking for the interest as well - I'll be quite happy just to get my charges back. I've done a quick estimation, and I reckon I am due about £2,500 back. I've been with NatWest for nearly 18 years, and I feel they owe me my money back now.


Wish me luck!

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First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.


You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:



There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time


This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.


Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.


The FAQ’s, Step by Step Guide and all the info to get you started are here:



Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.


Good luck

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  • 2 weeks later...

NatWest charged me £38 AGAIN on friday... the standing order to pay my rent had gone out of my account on thursday, all fine, no problems, plenty of money in the account... and on friday they clawed it back and charged me??? Nobody I spoke to at NatWest could even suggest why any of that might have happened. It still took me 45 minutes and talking to 5 people before someone agreed to refund that particular charge.


Something tells me that NatWest has been having a lot of requests recently from people asking for their statement history... when I asked for the last 6 years bank statements, there wasn't even the slightest flinch in the person's voice on the phone when they said it'd take 5-7 working days and cost me a fiver. I took a note of the person's name, the date and time of the call, and said "yes that'd be great, thanks!"


Looking forward to getting my stuff soon - then I'm going to go through and start the ball rolling. I've read through loads of stuff on this site - and I'm ready.

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A few things in the first post seemed a bit odd to me. Did you have a student account 4 years ago? When did you graduate? Reason I ask is that with the student account you only get unpaids fee, no card misuse and no referral fees and no unarranged borrowing fees. Just trying to clarify why fees not normally taken were taken.

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Over the past 6 years, I've had a NatWest staff account (yeah I used to work for them!) and an undergraduate account, now I've got a postgraduate account. Whilst I was a student, as far as I am aware I got charged fees regularly for going over my overdraft limit as well as for unpaid direct debits. I'm going to go through my statements when they arrive and make sure my memory serves me correctly.

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that info is wrong, if you had a student/ graduate account there is no unarranged borrowing card misuse or referral fees applicable. Been like that for years on student accounts. Unpaids yes are applicable. (i still work for them).

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