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Student/graduate account


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Hi i'm new here and have been reading around the forum with interest. However I would like clarification if possible!

My account is a student/graduate account opened when I started uni in 2001. After I graduated it changed to a graduate account but now it has started charging interest - I think it changed its terms or something I need to find out about it. I am still a research student but I don't know how long the graduate interest free goes on for.

I am also at the limit of the £2000 over draft all the time as I have never earned enough to get back in credit with all of the outgoings. What can I claim for? Can I actually claim with a student account? My understanding is that I can claim for:

charges for bounced cheques

charges on unpaid direct debits

charges on unpaid standing orders

charges for going over the overdraft

I'm not sure about interest.

With claiming the charges incurred, do you claim for the full amount? e.g. £30 charge, would I claim the full £30.

Sorry for length of post, I just want to be clear before I look at my statements :)

Thanks

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Hi lilypad

 

Welcome to the NatWest forum. You will find lots of people here willing to help. You can claim for all the things on your list and youcan claim that proportion of the overdarft interest that is attributable to the charges.

 

If they have charged you £30 then, yes, you claim the full £30 back.

 

Any amount they charge over and above what the event (bounced cheque, ect) actually cost them is unlawful. We know that what it actually costs them is at most a few pence and, because everything is completely automatic, usually not even that.

 

So, calcualte away. Keep us posted

 

Steven

 

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Steven

 

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Yes the same principle applies to credit cards too!!

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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