Airborne vs. Natwest

[AirborneXO]

Hi,

 

I am about to begin the long battle to reclaim charges against the natwest bank and will keep a record of my actions here to help push me in the right direction! I am looking to recover charges for My Personal Account, My Wife's Personal Account, Our Joint Account and an old credit card account of mine.

 

Step 1 - Requesting my statements

 

Okay I have prepared the SAR for sending to Natwest - I have put all the accounts onto one letter - is this okay??

 

Also do I need to include £40 because there are four accounts? Do I send a cheque or what?

 

Many Thanks in Advance.

Cheers, XO

[hedgey06]

Hi Airborne, welcome on board the nat west forum!!

 

There's no problem putting all the accounts onto the one SAR - but you only need to send £10 as the fee covers all info that nat west have on you.

 

Cheque or postal order (payable to nat west) should be included with the letter.

 

Keep us informed of your progress - good luck, hedgey xxx

[MrBump]

And don't forget to send it recorded delivery. Good luck!

[AirborneXO]

Thanks guys its going in the post tomorrow!!!

 

Cheers, XO

[AirborneXO]

Finally got the statements and went through them with a highlighter:

 

My Personal account - £1865.71

My Wife's (the CO) account - £1750

Our Joint Account - £2257

My Old Natwest Credit card - £184

 

Total £6064.71

 

Flippin heck that sounds like a lot!!! Hope I can get this back! I highlighted everything that said 'charges' (was that correct?) so that includes all:

 

Unarranged borrow fee

Refferal Charge

Unpaid items

Card misuse

 

Can I claim all that back in full? I am about to log onto the calculator spreadsheet to work it out!

 

Obviously I will submit the claims seperately as it will be more than small claims otherwise, is that how its done?

 

Cheers in advance, Hal

[WendyB]

Yes you can claim all of those.

 

Wendy

[bram stoker]

You are lucky that they sent you your wife's details. Did she give permission in the S.A.R - (Subject Access Request)?

 

Anyway, that's by the by now.

 

Yes, you would be wise to split the claim by account to keep it in the small claims. Your wife will have to do her own claim though.

 

Good luck.

[AirborneXO]

The Letter was ammended to from me and I to us and we both signed the bottom, no problem there.

 

How does the joint account work then, do we file the claim together?

 

I have done all my calculations on the basic spreadsheet as the other one with the interest was too hard for my tiny brain to cope with is that okay?

 

Cheers, Hal

[bram stoker]

I'm sure only one needs to to file the claim, but be prepared for the judge or bank to request some daft documentation from you to stall things.

 

Any spreadsheet you like.