carly913031 v natwest***WON***

[kopite71]

You're welcome.

 

I nicked it myself from somewhere. LOL

 

Can't remember where though.

[hedgey06]

Lol.............. brilliant - just what I needed - a right good belly laugh!!!!

[fendyweather]

Natties not playin the banter game tonight. Being good boy. Best off to to new found Bear garden for me I thinks to wreak havoc in there instead Hedgey.

 

Kopite, top letter mate. Go get em. Fendy xxx

[Parkvale]

Fendy,

Just found out my snowman last week was killed by global warning. I am gutted.

[hellhasnofury]

I got a theory on this. Ive been thinking. Even though we cant ask for the 8% at the outset of this process, I always think it looks good to leave the 8% on for later, but only ask for the charges only in the letter, purely so that they can see how much it will be later on if it gets to court stage, i.e. they can then see the extent of how much the interest will add to it later on if they dont settle at Prelim or LBA. Im not advocating do it, but if I was doing it myself over again, I would leave the column in showing the 8% purely so they can see potentially what it might cost them if they dont settle before court. Sort of an incentive for early settlement so to speak. But so long as in your letter you are only asking for repayment of charges. Where can the harm be in that ? Fendy xxxxxxx Just a thought.

 

 

Hello,

 

I totally agree, just let see them what they need to know what it will cost them if it goes to court, which most of them allow to happen, spending more of their profits they make from unlawful charges, the gits.

 

I have lba the Abbey telling that I am claiming 8% interest now because they set up a unauthortised DD, took charges and then took my child benefit, so lets see what happens with that one. They make my blood boil:-x

[carly913031]

I sent off my prelim on the 26th and it arrived the 27th. Mine is for £1093 adn my sister also sent hers off for £190. As the easter weekend falls in my 14 days should I not count those? Also is it best to ring customer services during the 14 days to check progress?

[Parkvale]

Count all days, xmas, easter, Australia day, Canada day all 365 days of the year. It is their problem to answer you. You have set the time scales. Good luck.

[fendyweather]

Count 14 days from your prelim, and at this stage you can include bank holidays as part of the count. You have to be a bit more precise with dates once court claim has been filed. But at this stage, 1 day equals 1 day regardless of if its a sunday or a bank holiday. All the best. Fendyxxx

[Advoc8]

Also is it best to ring customer services during the 14 days to check progress?

 

I suspect you'll be wasting your time as they're unlikely to say anything useful, also in my opinion things are far better conducted in writing so you've evidence of what was said and by whom.

[hellhasnofury]

I suspect you'll be wasting your time as they're unlikely to say anything useful, also in my opinion things are far better conducted in writing so you've evidence of what was said and by whom.

 

I agree with Advoc8, do everthing in writing and keep all copies. If you ring them they only get confused. The left hand does not know what the right hand is doing. I have found that to be my experience. and all it does is get you frustrated.

[carly913031]

Is it ok to send off my prelim letter for my other 2 accounts now or should I wait until the first one I did is settled. I have just sent the lba for it?

 

Also what are the charges called that are taken out at the end of each month for £28 when you have been overdrawn that month? Are the unauthorised overdraft charges?

 

Thank you

[Muffintop]

Im at 28 day period with Nationwide so keep me updated along the way, they have so far, taken back my overdraft.

[hellhasnofury]

Is it ok to send off my prelim letter for my other 2 accounts now or should I wait until the first one I did is settled. I have just sent the lba for it?

 

Also what are the charges called that are taken out at the end of each month for £28 when you have been overdrawn that month? Are the unauthorised overdraft charges?

 

Thank you

 

Hello Carly,

 

It is up to you if you want to sent off another 2 letters for another 2 acount. but you will have to be very organised and not get mixed up. Also if you have to go to court it will be a bit expensive. Maybe pace

yourself a bit.

 

Have a look at Natties sticky for bank charges NatWest Charges- A guide

 

It is called unarranged borrowing,

[carly913031]

My sister recieved a full offer today of £190.

I am still waiting for mine, they said it will be with me by the end of the month so am gonna wait til then, then start court proceedings.

[hedgey06]

Hi Carly........ congratulations to your sister!!!

 

Also, with regards to your own claim - if you're happy to wait, then go for it. Personally, I'd say file at court - I gave nat west well over a week after LBA - filed at court and still haven't heard anything!

 

Don't let them dictate timescales to you - do it at a pace that you feel good with!

 

Good luck, hedgey xxx

[carly913031]

I recieved a letter on Saturday offering me £1063, £30 less than I claimed for, though think this could have been my mistake.

 

I have waited for this offer rather than going to court as was told on the phone the offer was ready to be sent out a few weeks ago. When I hadn't recieved it last week, I phoned up and said I was going to complain to the financial ombersman as they hadn't responded to my complaint in the 8 weeks it said on their website. My letter then arrived 5 days later, dated the same day as that conversation!!

 

Now just got to wait for the money to arrive, I can't wait!!

[hedgey06]

Hi again Carly, and CONGRATULATIONS on your win!!!

Another great result!

Enjoy every penny, best wishes, hedgey xxx

[carly913031]

Thank you to everybody who has given me advice other the last few months.

 

Only 2 accounts left to go now!!

[carly913031]

Just to let you know, I sent the offer letter on Mon and recieved the money into my account on Thurs!

 

Thank you everyone for your help.

 

Carly

 

 

Also can this be moved to the sucess area?

[livelylad]

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