HELP!!!! Natwest Called me to arrange meeting

[amanda8t1]

I read all info on this site and sent the letter to my branch (got address by searching sort code on Natwest web site) they called me to arrange an appointment to "discuss" what happened to make them charge me.

 

I get the impression that they are going to try and fob me off HELP! I'm worried I'll bottle it what do I do/say?

[Don Quioxte]

I read all info on this site and sent the letter to my branch (got address by searching sort code on Natwest web site) they called me to arrange an appointment to "discuss" what happened to make them charge me.

 

I get the impression that they are going to try and fob me off HELP! I'm worried I'll bottle it what do I do/say?

 

You call them back and say that as you corresponded with them in written format this is your preferred method of communication - insist that they stick to it (i.e no more telephone calls from them).

 

Then you decline their offer of a meeting for the same reason - you want to correspond in writing. Also infer that there is nothing to discuss. They understand your position it was clearly laid out in your prelim letter - and tell them that if they are in any doubt - it will be re-iterated in your letter before action! Call should go something like this:

 

"Hello, I am calling to decline your offer of a meeting as I wish you to correspond with me in written format - as I have with you. I also therefore require that any further communication with me with regards this matter is conducted within these parameters - in writing only. I do not wish to hear your explanations or reasoning behind the charges that you have applied to my account as I understand them to be unlawful. My initial letter to you has clearly stated my position, and this has not changed. I will await a response to that letter in writing, and trust that you will now move promptly to refund said charges and resolve this matter."

 

You really have nothing else to say. And shouldn't. You can write to them and decline their offer of a meeting if you prefer - and are more comfortable - again insist that they follow your requirements and communicate in written format only.

[amanda8t1]

Thankyou your response time was amazing I'll phone them at 9am (in about 10 mins)

[katesage]

Hi Amanda

 

Good luck with your quest against Snatchwest, I've just sent my DPAs off and am expecting telephone contact from them as I got on v well with my manager. Boy has he got a shock coming!

Invest in a dictaphone if you can and record any calls you make or receive just in case they say anything controversial or legally helpful.

The response time on here is amazing, I can't work out how a handful of moderators manage to deal with all our q's and worries, they are a cool bunch of people!

keep us posted with your progress

Kate:)

 

 

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

08/06/2006 DPA Letter Sent NW Adv Gold £2513.08

08/06/2006 DPA Letter Sent NW Gold Mastercard £unknown

08/06/2006 DPA Letter Sent NW Business Acc £unknown

08/06/2006 DPA Letter Sent Virgin Card £unknown

08/06/2006 DPA Letter Sent Morgan Stanley £unknown

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[Don Quioxte]

The response time on here is amazing, I can't work out how a handful of moderators manage to deal with all our q's and worries, they are a cool bunch of people!

 

ahh that should be a thread started in the Bear Garden... I shall point all the mods towards this!

[katesage]

Hee hee don Q

 

I was feelin all protective of you all after reading the clairus99 thread last nite. boy you guys had me in stitches and i'll try not to annoy you guys (like ever!) loved the enycyclopedia snipe!!!

okey doke i'll stop hijacking this thread wiv grovelling praise but it is nice to see genuine appreciation, i've definately been impressed by response times. i've got visions of pale, exhausted people sat in darkened room staring at their pc's, never being allowed out....................

 

kate:p

[amanda8t1]

Well yesterday I called my banch at 9am as I said I would be doing and they ended up telling me that if I didn't go in for a meeting with them that they couldn't fill in the relavant forms needed to send to head office to authorise any refund of charges I know they were codding me but they refused to send these forms to me in the post so I am meeting my bank manager tomorrow (mon) at 2.30pm and I'm taking my mum and a dictaphone.

[cheddar]

As far as i am aware there is no need to fill in ay forms to get your charges back, they may want you to sign a confidentiality agreement but this can simply be posted to you and sent back. Looks like they have sucessfully conned you into meeting them.

[amanda8t1]

It seems like that to me but I'm not sure how else to deal with the woman on the phone refusing to do anything unless I meet with her. I just want to scream AHHHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!! I really shouldn't pull on my hair quite that hard I have head ache now.

I'll update you after the meeting tomorrow

[Movingon]

Personally I would ignore this altogether and wait until the 14 days in your prelim letter expire, and then I would send your Letter Before Action. There is simply no need for meetings, forms etc to get your money back... just letters and if necessary a court claim.

 

This is just flim-flam so that they can bully you in person. I advise you not to go to the meeting at all, but to call the branch and cancel. Don't even speak to the same person; just call the branch, say "I have a meeting with at 2.30, I'd like to cancel please as I can't make it. Thanks."

[amanda8t1]

wish I'd seen your message earlier Tom I've been to the meeting and it seems that I was misslead on the phone by the person who told me I have to fill forms in infront of a manager, this is what happened I went in to a poxy room with a girl off cash desk I had to wait for her to finnish serving a costomer I took my dad with me because I can't find my dictaphone so I'm hoping that he will remember what I don't, she told me that it's a standard charge that everyone incurs and I said "I know it is" I then told her I don't mind paying the charges that the incurs by stopping my standing order if she could tell me what it was but she couldn't all she could say was standard £38 charge etc but as if to make me feel better she told me that it does include all admin etc. She then asked me how much I thought the charge should be well of course I don't want to give them any anumision so I declined to answer but thought about the question and I'm going to open a tread next to discuss it I'm interested.

next she asked me why it as taken me so long to request a refund as one of the charges was applied in March, I replied "after speaking to a friend I decided that I think you are charging me too much and I think it's unfair" next I asked her to get the forms out and she said there are no forms I told her what Louise had said on the phone and she went to phone her when she came back she said that Louise ment a letter that Zoe (the person dealing with me) writes to head office, when I asked if this could have been written without seeing me she said no not really but I don't believe, her she then said that she'll write this letter and the main branch will contact me for an appointment I specifically said I do not want an appointment and she said without one things cannot move forward so I told her I want everything in writing from now on and asked how long it would be before I recieved her letter telling me what head office has said she said I do not know so I said give me a time scale as I am not waiting indefinatly so she said 1 month so to clarify I said so you now have until the 11th of July to refund my charges and I am going to send a letter giving them their new deadline now.

 

I think I handled it well and rest assured I am not going for any more meetings at all.

[alanfromderby]

Okay, time to rescue the situation and get control.

 

You have verbally given them until 11th July - that is more than they are entitled to, but you are best to stick with that now.

 

Make sure the letter you send is based on the Letter Before Action in the template library - and it should be headed LETTER BEFORE ACTION. Obviously you will need to change the wording slightly to fit in with the events.

 

Send the letter to NatWest Head Office by recorded delivery - and send a copy (marked as such) to the person you spoke to at the branch.

 

If your charges have not been returned by 11th July - then I would advise immediately moving to court action. By that time they will have had more than enough time to settle.

[amanda8t1]

Ok so I wrote out the letter printed it and got paper cut while folding it can I claim for that too!!! lol

[amanda8t1]

Ok so I have just recieve a letter saying in this exeptional matter their prepared to refund £38 as a gesture of goodwill ummmm..... they've got my money and I want it back so I am going to respectfully decline this offer but what do I do then?... Send them a letter before action?

 

 

 

Your 5% is on it's way!!!

[Bookworm]

Amanda, how much are you claiming back?

[amanda8t1]

£190

[joneshousehold]

Seems to me you have been messed about by the branch. Don't forget you do also have the option of complaining about being misled into attending a meeting that you did not need to do despite having said you wanted it dealt with by correspondence. They will deny it of course but you could take that complaint as far as you wish including the Ombudsman if necessary.

 

This is just another option and is in addition to your claim. You may find it a better idea to wait until after the claim is sorted out. It is up to you whether you pursue this or not as there is nothing lost if you don't, it just depends on how you feel about it.

[amanda8t1]

ummm... So how do I do that too

[Don Quioxte]

send the LBA referencing their letter dated X June in which they make an offer of £38. State that as a matter of goodwill, you will accept this offer as an interim payment only. You will consider the matter resolved only upon receipt of £190 or, should your account be credited with the aforementioned £38, then £152. Should you not receive remittance advice of this amount 14 days from the date of this letter, you shall proceed with Court action to recover any outstanding balance, plus costs, plus interest as provided for under s.69 of the 1984 County Courts Act.

 

I trust that they will now move promptly to resolve the matter!!!8-)

[amanda8t1]

there is a small propblem with that in that in the body of this letter it does say "acceptance by you of this payment will be in full and final settlement of all claims you may have relating to charges." does this change my next move or do I still go with accepting the payment as a intrim payment?

[Don Quioxte]

cmon amanda - I make it explicitly clear in my post above as to how you word you LBA!!!

 

"I will accept your offer as an interim payment ONLY and NOT in full or final settleement of the matter"...etc etc etc...

 

It doesn't matter. If they don't pay the £38 now who cares - they will just end up paying it, along with the £152, and your court costs, and probably some interest thrown in for good measure.

[amanda8t1]

cool thanks.

 

I am sorry I know I can be think sometimes but this is going legal by looks of things and that actually worrys me so I want to be totally sure I've followed everything correctly so that they can't come back and use something I've done wrong aggainst me.

[Don Quioxte]

that's fine -post your LBA here before you send if you want feedback...

[amanda8t1]

that would be great thanks

[amanda8t1]

MY letter

 

xxxxxx

xxxxxx

xxxxx

xxxxx

xxxxx

2 High Street

Wombwell

Barnsley

S73 0AB

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBERS: 51-61-35 7xxxxxx2, 51-61-35 7xxxxxx3 & 51-61-35 7xxxxxx5

 

I have received your letter dated 14 June in which you made me an offer of £38. As a matter of goodwill, I will accept this offer as an interim payment only. I will consider the matter resolved only upon receipt of £190 or, should my account be credited with the aforementioned £38, then £152. If I do not receive remittance advice of this amount within 14 days from the date of this letter, I shall proceed with Court action to recover any outstanding balance, plus costs, plus interest as provided for under s.69 of the 1984 County Courts Act.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken a total of £190.00.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 08 June 2006

 

I require repayment in full of this money and. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

Yours faithfully,

 

 

 

 

 

Mrs A Hxxxx

16 June 2006

Schedule of charges

51-61-35 7xxxxxx2

12 Apr 2006 UNPAID ITEM(S) , D/D 3.96, PAYPAL PAYMENT £38.00

51-61-35 7xxxxxx3

27 Mar 2006 UNPAID ITEM(S) , S/O 460.00, MR & MRS Hxxxx £38.00

51-61-35 7xxxxxx5

24 Mar 2006 UNPAID ITEM(S) , S/O 145.00, MRS A Hxxxx £38.00

26 May 2006 UNPAID ITEM(S) , S/O 150.00, MRS A Hxxxx £38.00

2 June 2006 UNPAID ITEM(S) , S/O 150.00, MRS A Hxxxx £38.00