nat west credit card

[shazbaz]

Hi,

My son put a claim in for a refund of penalty charges applied to his Nat west credit card account,He sent of his L.B.A. letter on 9th feb. He has received an offer today for the full amount as a gwg,as full and final settlement

But regarding removal of defaults,this is what they say !!!!!!!

 

As explained previously,by law we are obliged to show a true reflection of an account history with the credit reference agency and are therefore

unable to amend any details that have been passed.

 

Acceptance by you of this credit will be in full and final settlement of all claims you may have relating to our charges,however our Terme &

Conditions will continue to apply and any charges applied in the future will

stand.

 

What do you think?

 

(ALSO) Can I ask for this to be paid by cheque,

 

thanks shazzy

[Rooster-UK]

Did your letters to Natwest state that as part of the settlement you required that defaults which occurred as a result of penalty charges, be removed?

Or is the question of defaults an afterthought?

 

You have two choices.

1 ) Accept the offer as full and final payment.

OR..

2 ) Reject the offer on the grounds that it does not address the defaults issue (assuming that the requirement has been made known to the bank from the start of your action).

 

You must make the choice.

 

Good luck.

Regards, Rooster.

[Rooster-UK]

P.S.

^^^

 

You can require the payment be made to you by any valid means, but be aware that the bank has the right to have your debt settled.

They may use part of the settlement to clear the arrears, then refund the balance.

[shazbaz]

Hi

Thanks for your advice!!!!!!

In answer to your question, yes letter stated removal of defaults.

and as he will be going for a mortgage this year he is worried that any

defaults may hinder him.

Also he doesn't owe them any money at present,

These charges for late payments were only in the last year.

 

THANKS X SHAZZY X

[shazbaz]

HI UPDATE!!!!!!!

Received another letter from nat west,once again saying they cannot do anything about defaults,and ignoring my request for payment by cheque saying they will credit it to my credit card,

I want it paying to me by cheque, so I will write again

 

Where do we stand on the default issues?

 

 

THANKS SHAZZY

[noomill060]

Go to to court if they arent fully satisfying the details of your claim.

 

If money is outstanding on the credit card, they can credit that rather than pay you in cash.

 

Did you claim all the contractual interest they have scammed you into paying?

[shazbaz]

Thanks for your reply,

 

I don't owe them any money,I have just sent them another letter stating that I will only accept If

 

1. Payment by cheque

2. Default issue addressed

 

No I Did'nt claim any interest as these charges were only incurred recently.

 

thanks again

shazzy

[noomill060]

Time to file at court then.

[shazbaz]

Paid up in Full !!!!!!!!!!!!!!

 

Received the cheque today for the FULL amount,£204.00

I have written to them asking them to address any default issues

I will let you know what happens.

 

 

 

A BIG THANK YOU

TO ALL OF YOU FOR ALL YOUR HELP AND ADVICE WITHOUT IT

IT WOULD NOT HAVE HAPPENED

 

I'M STILL CHASING

NAT WEST ... HUSBAND - At court stage

RBS ... SON

ABBEY... MYSELF - At court stage

 

XX SHAZZY XX

[TrayTray]

Hi,

I've just done my court cost's online and paid my fees at the same time. Do i need to post them anything else??