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Default Notice Natwest Seeking Compensation


kiri260180
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I had an advantage gold account with Natwest and I am not sure if you know but you have to pay £8 a month to have it which is taken by DD anyway I had a belly full of Natwest so I decided to keep the account open with £1 in there and not use it. I asked them to make the account into a normal amount and I requested to cancel the £8 DD which they said they would do in the branch.

 

Anyway went away abroad for 6 months to come back and find that my account is overdrawn by about £500 and they had issued me with a default notice.

 

It turns out they had continued to take the £8 out which made me overdrawn and charged my interest as well.

 

I called up and disputed this and evtually had to write they said they would take off all charges and remove the default. This was back in early 2006.

 

Anyway I got my credit reports 3 days ago and the default is showing as a default and not even settled let alone taken off.

 

When I wrote to them asking for compensation this is what they wrote to me.

 

"I have now arranged for the default recorded with the credit referebce agencies in June 2006 to be removed and would apologise for this oversioght on the Bank's part. In view of the other defaults recorded against your name it is unlinkely that your credit record has been adversely affected by this entry"

 

I am not just fuming by this I an hopping off the walls!! I cant beleive that a bank can use your credit record in this way.

 

I am in the process of having the other defaults removed as they have all been applied due to excess charges.

 

Should I write something back or should I let sleeping dogs lie?

 

Any advice on how to proceed I would be very grateful - the way in which Natwest have treated since I opened my account in 1998 is really and truly disgusting so I am up for a fight with them as they make my blood truly boil.:evil:

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I do sympathise with you, but once you've calmed down, I would just let sleeping dogs lie - it would be extremely difficult to claim compensation through court action. You cannot just claim for distress/inconvenience etc, you first have to have a quantifiable damages claim. Given that you had other defaults, it would be near impossible to show and prove to a court that Natwest's default caused you any tangible loss. Keep up the fight with the other default removals though!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Yeah I know that you are probably right!!

 

It is just that I hate Natwest so much!!

 

I have lots of other charges that I can claim back from about 3/4 years ago so I think that I will concentrate on that now - and as they have annoyed me so much - I will not be happy with statutory interest I will be going for the whole contractual interest as well.

 

Watch this space - they have now made a proper enemy out of me and I will not stop until I squeezed every last penny that they owe me out of them.

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