rovers v norwich and peterborough

[rovers]

First posting I have just recieved a copy of my statement from N&P and worked out all there charges but wondered is 8% interest the norm to charge them for having my money. And are overdraft usage fees supposed to be added .Also is a schedule of charges just a list of dates and ammounts charged.

[queenjomati]

Hi, if you go onto the templates you will find a spreadsheet template which helps you lay it all out, but basically it is just a list of dates and amounts that you are claiming. The 8% is a legal amount you can claim under a section of the county court act 1984 ( cant remember the section number) but all the info you need is here just keep looking, and if you do your court claim on line all the relevant info is also there.

Read as many of the threads you can and see how we have all got on.

From experince N&P will only offer you half your charges back and will close your account, the letters they send can be a bit bullying but I have just got a grovelling letter from them as I have started court action. Just follow the steps recommended and use the template letters, this stops you making small errors which invalidate your claim. Lastly good luck and stay strong

[rovers]

Thanks for that i have closed the account so that dose not bother me so will keep forum posted on my progress

[rovers]

Recieved a letter back from N&P today it says

 

With reference to your recent letter regarding charges on the above numbered account. This has been passed to me for response in my capacity of Banking Services Supervisor.

 

As stated in the terms and condition sof the Gold Current Account, you are required to have sufficient cleared funds in your account the day prior to an item being presented. Should you fail to do this then the item will be returned unpaid and a charge of £29.50 levied.

 

The Society believes it has acted lawfully at all times when operating your account and we have simply enforced the advertised charge structure, to which you agreed when entering into the contract with Norwich and Peterborough Building Society (the application form you signed on opening your account included a declaration and agreement which stated that you had read and agreed to be bound by the conditions of the account)

 

The Society is owned by, and listens to, its members and we recognise that mistakes can happen so, if a customer makes a mistake and they incur a fee we will refund the first one on application, thereafter, to be fair and consistent to all our customers, all future fees and charges will not normally be refunded unless there were exceptional circumstances that we feel should be taken into consideration. In your case, I can see that we followed this policy when In March 2005 we refunded a charge that had been correctly applied to your account. At that time you were reminded of the terms and conditions for operation the Gold Current Account and advised that all remaining and future charges would stand. By continued use of the account, you indicated your acceptance to all terms and conditions of the acccount.

 

I Hope you now have a better understanding of the situatioin. In the unfortunate event that you remain dissatisfied please let me know and I will arrange for your complaint to be reveiwed by the Banking & Investment Support Manager in accordance with our complaint procedure as detailed in our Service commitment leaflet enclosed. We will consider the matter to be closed if I do not hear from you within 8 weeks of the date of this letter.

 

Is this a standard reply and now i guess its an LBA

thanks for any comments

[queenjomati]

this is a standard letter, they all try it in one way or another. I would reply thanking them for their response but re iterate the fact that these charges are not a true reflection of the cost of running your account, which is the whole point of you asking for them back. Check through the FAQs cos somewhere there is the piece that states the bit of law that requires charges to be a reflection of the true cost, I would copy them your original letter as well and if you dont get a response that says they will refund within the time limits then go to stage two and send out the second letter. All they are doing is trying to stall you and tie you up in their own complaint proceedure so that you will give up. At least you got a response, my first letter got ignored. Stick to the timetable and stay firm they will try to get you to take your eye off the ball. hope this helps

[rovers]

thanks for that i have sent a LBA today recorded post so i will see what happens next

[bettyboo1923]

Hi

 

have you read the threads on penaltycharges.co.uk. there are a few who have successfully claimed against n&p. several didn't need to get as far as filing in court. I claimed on bhalf of son and girlfriend. I phoned the banking operations manager after 1st response to 14 day lba. he said he would, as a gogw, refund 50% but would want the accounts closed. I said don't bother with that letter I'll just do the court thing. a couple of days later received a letter offering full 100% but still wanted the accounts closed. I then got girlfriend to phone him and he said they could keep the accounts open. he is quite a nice guy to talk to and fairly reasonable.

 

so after the letter offering 50% plus account closure, which is normal for n&p try giving him a ring.

[newbody]

sorry wrong thread

[rovers]

Recieved offer letter today for 50% off charges which was quicker than expected 2 days to reply they must have been expecting it as letter dated 14/03/2007 the day before i sent my LBA .So i have sent a rejection letter just have to wait and see now

[rovers]

Received letter today it says,

 

Thank you for your letter concerning the above numbered account.

the points you have raised are receiving attention and the banking operations manager ,Mr David Prresland will respond to you within the next 10 working days when all the relevant information is to hand.

Please refer to the service commitment leaflet previously provided.

 

Is this a standard letter after there offer letter and if i have to start court proceedings how long do i have to do this as i have got to go away with work for 6 weeks abroad and would not be able to start proceeding untill may.

[bettyboo1923]

I claimed against n&p for my son and girlfriend. (see my earlier post on this thread) try phoning the Banking Operations Manager and tell him that you are not happy with offer of 50%, want the whole 100% and want to keep your account open.

 

my son's girlfriend did this and he agreed to 100% plus accounts staying open. after signing their agreement money was in their accounts 7 days later. didn't need to file court claim.

 

try phoning him, he is very reasonable and easy to talk to.

[rovers]

Account has been closed for nearly 2 years so threat of closer ain't going to bother me. I will see what happens this week they said they would contact me in 10 days .

[Parkvale]

rovers,

Funny how their stance has changed from no chance to ok maybe you can have half of it. They owe you all of it. REJECT OFFER . Have alook at these;http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Go for it . Good luck.

[rovers]

Recived offer of 100% back so i have accepted it will wait for the cheque to come .

[Parkvale]

Congratulations, enjoy your win.

[bettyboo1923]

Congratulations

 

Shame all the other banks are not so accommodating as N&P!!

[rovers]

Cheque arrived today for £1177.00 100% of claim

 

:D :D :D