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Lisa battling NatWest


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Hello,

 

I've decided to take on NatWest after months of debating this. I'll explain my story as best as possible and hopefully get some wonderful advice from people here :)

 

It all started really when I was 18 and moved in with my boyfriend then (now husband). Funds were very tight starting out together. I joined into his bank account (NatWest) and we went from there.

 

In Jan 07 or thereabouts I got pregnant with my 1st child and we needed to move out of our 1 bedroom flat. We never had much money and during that time it was just my husband working, crap pay might I add also. Various bank charges per month as we couldn't afford to carpet, decorate and buy things for baby as well as the house.

 

Not long after. My husband always got paid cheque from his work place. It was £660 a month and we went into NatWest and used their machine pay. Filled out the slips and put it in the box etc. 4 days later £60 cleared out of the £660! :eek: Went down, questioned them and they blamed me, said I input the amount wrong. I didn't I still had receipts :mad: So they said we'd have to get the remaining £600 from his employer. Good job it was his employer and not a sale of a car or something otherwise they'd of been long gone!!!!!!

 

Anyway, around that time we were desperate and the £60 didn't last 5 mins. DD's bouncing, no food money, newborn baby, couldn't buy milk etc, it was awful to say the least! NatWest offered to give us money. Unfortunately they failed to tell us that when they gave it us it went out over unauthorised amount and got mighty amounts of fees! Since then, we've never been able to really catch up.

 

Some 7 years on and we have a £11k loan with them in which they've closed our bank account down. The reason being is now I have a extensive physical disability (arthritis at 25!) and can no longer work. My husband is my carer and although we took insurance out on the loan, they fail to honour it because it is "me" that is ill and not my husband, in which the loan is in his name. It's ridiculous.

 

They have charged £500 in less than 2 months because we failed to pay the loan monthly payment back. I feel it's extortionate! :(

 

So that's our story. I'd also like to ask before sending my letter off and a cheque whether they will refuse us our money back because we have an outstanding loan? Even though we agree to repay £100 a month back? I'm just worried they will turn it around on me.

 

Thank you for reading.

 

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Welcome to the Nasty west forum. Sorry to hear about your problems , but loads of help available here. These will helpyou.

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

The loan is a completely seperate issue. If they have charged you unlawful penalty charges. You have a legal write to ask for them back. Have a good read on the site

and get everything right. Are you writing off for your statements ?

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/. 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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Thanks for letting me know it's another matter. Good to hear. Will print letters off and get them out asap :D

 

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Lisa just a quick question. How are you paying the loan ? From another bank account. If you don't have an account open with Nasty West then they will have to pay you out by cheque. I bet that has made you smile.

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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Lisa just a quick question. How are you paying the loan ? From another bank account. If you don't have an account open with Nasty West then they will have to pay you out by cheque. I bet that has made you smile.
haha. No they closed our account. It's still open but not able to use it. I only use it to pay in the £100 a month for the loan, which is done from my Lloyds TSB current account.

 

Yes a very big smile indeed! :D

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Then what i would do is open another account. Which i presume you already have. Ask Nat West to set up a standing order out of your new account and close the Nat West account completely. I bet they are making charges on that N,W,account you cannot use. They will have to pay you by cheque if you have no account with them.

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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Then what i would do is open another account. Which i presume you already have. Ask Nat West to set up a standing order out of your new account and close the Nat West account completely. I bet they are making charges on that N,W,account you cannot use. They will have to pay you by cheque if you have no account with them.
I've been doing the SO from Lloyds TSB to NatWest. I don't want to open another account with them as frankly, they're crap :lol:

 

I don't think they would be making charges on the closed account. We haven't received statements in a long time now, so I assume it's closed as they said it was, bit I guess we'll see when they send me the statements/charges back.

 

I don't know why but I have a bad feeling they will turn it all around. If they refuse the money or something like that, I will have to gain legal advise. Do I have to pay for the legal advice if it goes that far? Or would I be able to get some sort of legal aid etc since I don't work?

 

Thanks for all your help, again :)

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Lisa, They conned me into a loan to get rid of my overdraft. Again there is quite a few thousand on the loan. They have already paid me out over £5k. This was paid by cheque. The loan is a completely seperate agreement.

As regards your insurance claim with Nat West it might be worth writing to the Financial Ombusman. Doesn't sound right to me. Give it a try. Also your confidence will grow as you progress. Here is the F.O. address;contact us

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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Lisa, They conned me into a loan to get rid of my overdraft. Again there is quite a few thousand on the loan. They have already paid me out over £5k. This was paid by cheque. The loan is a completely seperate agreement.

As regards your insurance claim with Nat West it might be worth writing to the Financial Ombusman. Doesn't sound right to me. Give it a try. Also your confidence will grow as you progress. Here is the F.O. address;contact us

Thanks Parkvale. I've contacted the FO, hopefully get some news in which I want to hear :) *crossed fingers* Thank you for the link.

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Pleasure. :)

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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Guest NATTIE

I dare not comment on the loan bit because the bank is right on this occasion with regards to the insurance side of things if it is in the husbands name not the OP. However the account would probably be with credit management services, so agreement in place to pay all accounts off. I think the charges being reclaimed may well, substantially reduce that.

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Request for statments sent off today 1st class recorded and for my referece (or in case I loose the recorded slip) the tracking number is: DH839767152GB.

 

I don't know why but I'm a little worried.

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Dont be worried. Nothing to worry about. If anything you should be feeling a little happier knowing its all now under way............ the first step in actually getting money back........... Be happy, be confident, and most of all, even if you are not, let Nut West believe you are ULTRA CONFIDENT AND ABSOLUTELY POSITIVE YOU WILL TAKE THIS TO COURT IF YOU HAVE TO.................. Choose strength. I know its hard, but make a conscious choice to be strong. You are right, they are wrong. Simple really. You have nothing to be frightened of. We are all right behind you every single step of the way. Anything you dont understand or are baffled by, just pop back and somebody will always be here to help and explain it to you. Let the tiger loose inside............ BE STRONG......... You are only doing what is right and just............ You are not breaking any laws here, just asking for fairness and justice............... You will win, I have no doubt, but you have to be strong and believe it yourself. Positive mind, makes miracles happen. Really. All the very very very very best. Were all here to hold your hand through it. Honestly. xxxx Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Dont be worried. Nothing to worry about. If anything you should be feeling a little happier knowing its all now under way............ the first step in actually getting money back........... Be happy, be confident, and most of all, even if you are not, let Nut West believe you are ULTRA CONFIDENT AND ABSOLUTELY POSITIVE YOU WILL TAKE THIS TO COURT IF YOU HAVE TO.................. Choose strength. I know its hard, but make a conscious choice to be strong. You are right, they are wrong. Simple really. You have nothing to be frightened of. We are all right behind you every single step of the way. Anything you dont understand or are baffled by, just pop back and somebody will always be here to help and explain it to you. Let the tiger loose inside............ BE STRONG......... You are only doing what is right and just............ You are not breaking any laws here, just asking for fairness and justice............... You will win, I have no doubt, but you have to be strong and believe it yourself. Positive mind, makes miracles happen. Really. All the very very very very best. Were all here to hold your hand through it. Honestly. xxxx Fendy xxxx
Thanks for that Fendy :)

 

I'll try although always worry they'll pull some backhanded stuff. I've been reading up on lots of won situations and feel I kind of know the rough process.

 

*fingers crossed*

 

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Dont be worried. Honestly.... if theres anything at all during the process you are concerned about, just pop into CAG here and we will all help you get round whatever back handed tactics are going on. Be strong. You can win this........... easily.

 

Think positive, its a powerful thing. Fendy xxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Request for statments sent off today 1st class recorded and for my referece (or in case I loose the recorded slip) the tracking number is: DH839767152GB.
Looks like they received my request today!!!!

 

Your item with reference DH839767152GB was delivered from our BOREHAMWOOD Delivery Office on 24/04/07 .

 

Thank you for using this service.

And so it's on! Let the games begin :lol::roll:

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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  • 2 weeks later...

I got a letter from NatWest today. Maybe it's a standard letter confirming my payment and request for statements but they had to add their sh*te at the end :rolleyes:

 

Letter shown below :)

 

------------------------------------------------

 

Dear me and my husband,

 

Data Protection Act 1998

 

Thank you for requesting copy statements held by the Bank.

 

Any information that is required to be provided to you under Section 7 of the Data Protection Act will be forwarded to you at the above address as soon as possible.

 

In the meantime we acknowledge receipt of the payment for £10.00 in respect of the fee.

 

Manual Intervention

With reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer appropriate noted on the account.

 

If you have any queries relating to this matter please do not hesitate to contact me on the address shown above.

 

Yours sincerely,

 

Joyce Tudor

Retail Regulatory Risk

 

------------------------------------------------

 

Is that just a bogstandard letter? I assume so for the first paragraph but the paragraphs under the "Manual Intervention". Sounds like they're trying to bully me into thinking their charges are OK already!!! Whatever!

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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Hi Lisa............ it's a bog standard letter - so nothing to worry about! Hopefully, your statements will arrive soon and you can start totting your charges up! Good luck, hedgey xx :p

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Hiya Lisa - I sent off my DPA and got same letter on 01 May. My statements arrived in a jiffy bag yesterday (03 May) and I'm just completing my spreadsheet for claiming back charges...they're mounting up!!! All the best with your claim

[FONT=Comic Sans MS][/FONT]

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Thanks folks for assuring it's just a bog standard (bog roll) letter :lol:

 

They sure use every opportunity to drill it in that they think their charges are fair! :rolleyes:

 

No sign of statements yet. No more letters etc. Just awaiting them. I know I have a while left to wait but just wondering do you shoot another letter off a few weeks before the deadline reminding them or something?

 

I had to quote this...

Hiya Lisa - I sent off my Data Protection Act and got same letter on 01 May. My statements arrived in a jiffy bag yesterday (03 May) and I'm just completing my spreadsheet for claiming back charges...they're mounting up!!! All the best with your claim

Wow a jiffy?! They're upgrading to jiffies now? :lol: From what I read around these forums they cram statements in tatty envelopes that don't fit and get bashed around in the post so they must be upgrading haha!

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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NatWest are soooooo pathetic!!!! I received a wad of statements today dated 22nd March 2001- 1st Oct 2002.

 

I asked them for statements between 1st Jan 2000 - Present day (day I opened thread.) Are they sending them separately? There's no letter in there, just statements.

 

I'm getting pretty ****ed now with them and their stupidity to follow a simple freaking request!

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

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