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Lyndsey vs Natwest


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im no expert but i would write a letter informing them of your recent win and ask for your money back!

 

you'll probably get no response and at that point i would start the whole claim process off again and once you win it. take your buisness elsewhere

Good Luck

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I have successfully claimed for a 2nd time against Natwest. ;)

 

Follow the same procedure as before.

 

Y

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

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Guest littlesally

Linzi, did the money go into your account?

Can't see why you can't claim any charges gone on your account since you started your claim, as a seperate claim.

The full and final settlement was applying to your claim at the time, not anything in the future.

Go for it!!!!

 

Sally x

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Hi linzi,

 

Any charges incurred since your original claim begun will have to be requested as a seperate issue.

 

Natwest done exactly the same to me and I meerly wrote to the powers at be at the Borehamwood address advising them that I had just accepted a settlement offer but had incurred additional charges. I basically asked them to pay up (in the nicest possible way and shown in the letter below) or I would have no choice but to commence court proceedings all over again. Needless to say they paid up:D

 

Dear sir/ Madame.

 

I have today received a cheque from RBS Group Litigation Department in the sum of £xxxx in settlement of my claim for recovery of unlawful bank charges.

 

This settlement does not address the issue of charges added to my account since the commencement of my claim, a total of £xxxxx

 

Clearly it would be senseless to resort to further litigation to recover this amount, although I am prepared to do so if necessary. In order to avoid such action, I require reimbursement of the aforementioned sum within 7 days of the date of this letter. If the full amount is not credited to my account within that time I will issue further proceedings against you.

 

I look forward to receiving your response before xxxxxxxx.

 

Hope this helps and good luck with whatever you decide to do.;)

: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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  • 2 weeks later...

hello i have just recieved this response to my 2nd claim the start of the letter just says that they believe their charges are fair but then it goes on to say this:

 

As a gesture of good will without admission of liability or errorwe are prepared to offer the amount of £357 in full and final settlement of your complaint.

 

By advancing your claim for repayment of these charges, it is evident that you do not accept the validity of the charging structure which applies on your existing current account, etc,etc.

 

If you would rather continue with your existing accounts on their present terms then you should withdraw your complaint.

 

If on reflection you decide that you would still like to retain your existing banking arrangements we would be happy to allow you to continue with your current account on the existing terms. You will however appreciate that if you decide to accept the present charging structure, that would not be consistent with the basis of your complaint. So if you choose this option we would expect you to withdraw you claim for repayment of overdraft charges.

 

 

If i want my money it then goes on to give me 3 options:

 

Existing account with an additional monthly management fee and reduced overdraft charges

 

we would be happy to allow you to keep your existing account but with additional monthly management fee of £10 and reduced overdraft charges

 

It goes on to say that the account wont change, i can keep my cards but i have to pay £10 a month for it

 

I can downgrade to a cash account but this is no good as i have a loan and it needs to be paid from a NatWest account.

 

OR

I can leave NatWest altogether. I'd love to do this but because of the loan i cant!!!!!!!!!!!!!!!!!!!!

 

 

 

Has anyone else had this letter and could someone please help me?

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Firstly, congratulations on your second win! Regardless of the rest of their letter, I think you can claim a victory by taking on one of the biggest banks in the UK and winning twice!!

 

With regards to their letter though, I honestly haven't seen this one before at all. They're obviously annoyed that you've reclaimed from them yet again.

 

Surely they can still take the loan payment from your account even with a basic account??? Phone them and check if they can do this - as if they can you could then downgrade your account, move to another bank with all inc/exp and merely deposit the loan money into the nat west account each month.

 

I certainly wouldn't be held over a barrel by them and be forced to pay £10 per month merely for the pleasure of banking with them - and I certainly wouldn't withdraw your request to have your charges funded merely to retain your current banking facilities.

 

Phone them asap - and post back to let us know how you get on. Best of luck xx ;)

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I can downgrade to a cash account but this is no good as i have a loan and it needs to be paid from a NatWest account.

QUOTE]

 

By this I assume they mean a step account which yo ucan set up SO and DD's on. I paid my loan from a HSBC wheb I changed last year - they disputed it but I challenged it and asked where I agred to this and they caved in.

 

OR

I can leave NatWest altogether. I'd love to do this but because of the loan i cant!!!!!!!!!!!!!!!!!!!![/

 

See above

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 2 weeks later...

no, to downgrade it means just a cash account which you cant have DD or SO going out and no card!! don't understand what the point of the account is cause you cant do anything with it and you can only get money out if you go in a branch. Now because of the court case i have to have another offer letter sent to me, surely now they cant offer me an account that will cost £10 a month with charges reduced to £17 because the court case will probably put them lower that that anyway?

I'll post as soon as i recieve the offer letter.

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Guest littlesally

This sounds a bit bizzare!

 

Am I right in thinking they want you to pay them £10 a month and if you go overdrawn, they will only charge you £17???!!!

 

Surely this is maddness?

I must have misread something.

 

Follow Gizmo's advice and change banks,

 

Sally x

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