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The-miser VS NATWEST! HELP!


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Hi all, this is my first post and I am looking for some advice.

 

I basically tried to claim back charges to my account in September last year: did all the right things, got my bank statements,sent them the first letter etc...and all I got back was this reply which is probably standard anyway but put me off from pursuing it further: :(

"

Dear The-Miser,

 

Account xxxxxxx

Sort Codexxxxxx

 

Thank you for our letter of 1st October 2006 . I appologise for any dissatisfaction caused by the application of charges to your account.

 

We beleive that our charges are fair,reasonable and transparent.We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied complies with all aplicable laws and regulations.We are also comitted to ensuring the transparency of the information the we give to our customers about the operation of our products.

 

Against that background, we must differ to the views expressed in your letter.Accordingly the gharges thta have been aplied to your account must stand.

 

However, thank you for taking the trouble to writte.

 

yours sincerely,

 

 

 

xxxx

Customer Care Team. "

 

Obviously, this could be just to discourage me to pursue this any further, but if anyone has any idea on how to get further in this matter I would be very gratefull...Obviously there hase been quite a gap in me picking this up again but I could always make a new claim...the have off course applied more charges to my account since...!!!!

 

HELP HELP HELP !!!!! :(

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Thanks to all who replied in the welcome forum !!

 

I am now putting a "refreshed" list of charges together and sending a new letter today !!

 

The Miser :)

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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The letter you recieved is the usual bog standard reply, you should persue with you claim as you will get all your charges refunded.

 

Keep us posted!!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks Deller !! will do !! And thanks to all who post !

 

 

What a great site!! !!

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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every single thing they do is to try and put you off or buy you off cheap

 

follow the procedure step by step and you will get every single penny you claim

 

read and understand the spreadsheets before proceeding is my advice, claim the interest on your charged using the 'complex' sheet, you're leaving money behind if you don;t imho

 

the CI claim is bolder and perhaps dodgier but people are getting that paid too and it adds a lot to a claim

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Hi Mikey thanks for your post ... One question ? what sheet is the interest sheet and where can I find the calculation formula ?

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Do you also claim back the service fees ? or is that going too far ?

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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This will help guide you through the maize of charges. Good luck.

http://www.consumeractiongroup.co.uk/forum/natwest-bank/79547-natwest-charges-guide.html

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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if it's a regular account fee that's the same every single month, I think not as that's something that you've agreed to and receive some sort of benefit for

 

I scowled long and hard at an endless succession of £9.50 monthly account fees when doing mine

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Hi all, I have now got the total sum of £ 3070 !!! but am a bit lost concerning the interest and how to calculate it . I have seen the spreadsheet but not sure which one to use?

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Guest NATTIE

Micky, £9.50 not sure that one is advantage gold fee, not been that amount ever, unless i need to revise the guide on advantage gold again.

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Hi Nattie, yes I agrre having just revised 6 years worth of statements its definately 9 quid for the advantage gold.

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Guest NATTIE

that's better, £9 makes sense, was wondering where the additional 50p came from mickey's post

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Ok All done!

 

That brings me to £3070 plus £651.79 in interest a total of £ 3729.79!!!!

 

Has anyone got any experience in hagling on the interest? ie....if you pay now then I will not bother about the interest?

 

And what is your experience? Are they more prone to settle quickly if you waive the interest ?

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Hi miser,

 

Generally, and NATTIE will concur as he's said it many a time, Natwest do not refund interest prior to any court proceedings.

 

I'd be very interested to see if they actually offer to settle in the first stages, considering the amount you are claiming. In my experience you are likely to have to issue them with the N1 claim form and go through the motions, unfortunately. But, the good news is that as long ass you follow the step-by-step instructions given within this fantastic site you'll be a winner sooner than you know it.

 

Hope this helps and good luck:)

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Agree with muggins. They will offer you charges without interest. Hang in their it's your money taken unlawfully from your account. Which you have a legal right to claim.

Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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OK!! THE GAME IS ON!!!

 

letter plus spreadsheet is in the post !!! 14 days and I start Procedings!!

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Share on other sites

Onwards and upwards. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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WHAT TEETH. laughing-smiley-014.giflaughing-smiley-014.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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YEAH HAHHAHAHA!!!

 

It's actually amazing what a bit of make-up can do!! :)

 

( it's actulay form a show that I did some years back ) Nice eh ?!!

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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Very nice, ;)

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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