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emmakinkybear

emmakinkybear v Natwest **WON**

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Im my earlier statements i seem to be getting charged £14 for unarranger borrowing fee and £6 service charge. I have been told that i can claim for the £14 but not the £6. does anyon know if this is correct. Then later on the charges see to change and the £14 and £6 charges stop to be replaced by a £20 "Charge" has this been lumped together and how much of it can i claim???? And again later on the £20 "Charge" turns into a £28 "Charge" what protion of this can i claim. I am so cunfused. PLEASE HELP :confused::confused::-o:confused:

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Hi Emma, welcome on board the nat west forum!

 

Sounds like you have an advantage gold account - this thread explains more http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html Basically, you can't reclaim the AG fee as it isn't a charge - it's a fee for a service they're providing.

 

At some point, Nat West started lumping the AG fee in with the unarranged borrowing fee every month and just calling it charges - even though they class it as a service fee! So just deduct the AG fee from all of your unarranged borrowing fees as it says on the above link.

 

If you need any more help - just post back on this thread.

 

Good luck, hedgey xxx :p


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Hi there, welcome to Natwest forum

Advantage Gold fee was 6, then 9, then at the moment 12. You can't claim these back. You can claim the unarranged borrowing fee which is 28. You'll probably find that at the end of the month you get charges £40.00. This is 12 a/gold and 28 unarranged borrowing i.e for going over your limit.

 

There's a very useful sticky - Guide to Advange Gold fees I think its called, no doubt Hedgey will be along in a minute to post the link cos I still haven't got round to getting links sorted.

 

Any questions just post back and someone will help you out.

 

Wendy

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You beat me to it Hedgey!

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wow thanks guys. i think thst i will brob be back shortly lol im so confused. amazing help on here tho!!!

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so wat does an A/C charge mean. lol i'm sorry if i'm being really thick here? i have them for £20 then £28 ?

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A/C usually short for account charge I think..(that would seem logical but since when were banks ever logical? 28 is unarranged borrowing, i.e.going overdrawn without permission or going over your overdraft limit. I think it used to be 20 before it was 28. Check out that thread that hedgey posted.

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Hi again emma, this thread compliments the other thread that I posted earlier http://www.consumeractiongroup.co.uk/forum/natwest-bank/79547-natwest-charges-guide.html well worth a good read! xxx


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ooooooooo you lot are angels???? im gonna get my other half to have a look at it all 2moro as i am rubbish with numbers hence getting into the problem in the 1st place. I hope that he will be able to sort it all out for me. if not i will see you here 2moro nite lol. so far the claim is worth £2755 with the 8% ineterest but seems i could maybe adding a bit more. Thank you all so far.

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Good luck emma, have a really good read through the two threads as these will help you to get your charges spot on!!

 

Don't forget that you can't claim the 8% interest until you file at court - just 'hide' this column on the spreadsheet for now!!

 

Keep adding 'em up!!!! Hedgey xxx :p


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Just hang on a minute while we straighten our wings.... lol.

 

Don't forget that when you send the prelim and LBA to hide the 8% column, you can only claim the 8% when you file at court.

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Thanks to all that have helped me my claim so far. I have now calculated my charges to just over £3000. Can anyone tell me if i need to send my letters to my own branch or if I should send them to the customer service centre from where my statements came?:p

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Hi emma, send your prelim and LBA to the Borehamwood address - it's in this sticky here http://www.consumeractiongroup.co.uk/forum/natwest-bank/74934-natwest-contact-information.html


Can't find what you're looking for? Please have a look at Michael Browne's

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*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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I today recieverd a letter from Natwest saying that they are considering my claim but won't be able to properly respond for 6 to 7 weeks.

After recieving this letter my next step is LBA. Am i right to do this now? or should I wait for the time given????????? :confused::eek::roll:

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Ignore their timescales, send the LBA 14 day safter the date if the prelim letter.

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Thanx. Gettting quite worried about all this going to court after hearing about some of the claims being struck out. I just dont want to do it all wrong!!8-)

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Don't worry emma, we're behind you all the way on here. Just post whenever you need help or moral support. Good luck, hedgey xxx


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Hi Emma,

 

This was exactly the same question I had! I have (after lovely advice on here :) ) sent the LBA letters. Now it's just a waiting game :D .

 

I'm worried about the whole thing going / not going to court, but I'm sure if we both do what this site tells us, it will all be ok.

 

Just remember - everyone is here to help if you need moral support or further info.

 

Tracy

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I will be ok with it all if/when it goes to court as a work as an enforcement officer at my local court. Its just a shame that I cannot issue my claim at the court I work in. I will have to travel for a hearing!!!

Yes I know that I shouldn't really need any help, but its a ball ache asking people at work for advice.:p

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I'm confused which route to take with my claim. Does it work better to take it through court or to go to the onbudsman? confused bunny :confused:

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hi

 

the cag way is to go through the court process, but the decision is yours..........

 

scott

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Yeah thats what i thought, Just read that its also a good option, but i think that i will stick to the court way. thanx

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youre welcome

 

Good luck

 

scott

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Court is much more fun!!

 

Steven

 

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Yeah if you win!!!! i have seen a case today where the claimant lost and was ordered to pay the defendant over £3000 n solicitors coste etc. Not sure that would be fun!!!! Although she didnt put up a very good argument

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