Dar£n (friend) v Natwest

[dar£n]

Hi, this thread is for a friend,

Nothing fancy, standard claim plus 8% interest.

 

Already have statements for the last 6yrs.

Can someone list the description of charges I will be looking out for.

 

And what timescale are they settleing from the pre lim letter, are they quick or draw it out until the hearing.?

[kopstar1965]

Hi Dar£n, i had a Flexaccount & they would bounce the debits & then bill you months later £25 per item, one month it was £300!!!!!!!!

As for timescales it's a lottery, along with sittinpretty I am still waiting 9 days now since a defence was filed to hear anything, others have been paid before 28 days.

Andrew

[Michael Browne]

Most common NW fees descriptions:

 

Nationwide Building Society

Cheque card misuse fee

Unauthorised Overdraft Fee

Unauthorised regular transfer fee

Unpaid Bill Payment Fee

Unpaid cheque fee

Unpaid DD Fee

Unpaid Standing Order Fee

 

[dar£n]

Thanks guys,,,I feel like a newbie again..LOL

[dar£n]

The more observant of you will notice this thread started off in the Nationwide section....Since receiving their statements I now find they are NATWEST.

 

Currently going through endless copy statements...

[Tipsy0nBacardi]

Currently going through endless copy statements...

 

Drink lots of coffee to keep yourself awake Dar£n lol

[hedgey06]

Drink lots of coffee to keep yourself awake Dar£n lol

 

.................... banging your head against a brick wall helps as well. Prepares you for the later stages with nutty west!!!

[dar£n]

Are they any good at settling or are they as bad as BArclays?

[dar£n]

Statements finished....Phew!!!!!!

 

A/c 1 = £494.00 [£552.01 with int]

 

A/c 2 = £5,385.50 [£7,068.43 with int]

 

Total requested in prelim = £5,879.50

 

Total if goes to court =£7,620.44 + costs [£250 + AQ fee ??]

 

Prelim sent recorded delivery 02/07/06

[hedgey06]

Good luck! First 'bogoff' should arrive in 6-8 weeks............. by which time you'll have filed at court anyway!

[dar£n]

Yeh prob, but its all down to the claimants think money is a bit tight at the mo'

 

How do NATWEST play the game , is it right to the wire like Barclays?

[hedgey06]

Pretty much - particularly with the larger claims like this one. Hopefully, the draft order for directions will start to speed up some of the claims though. If they're a bit short for money at the mo, it's worth phoning at the end of the LBA deadline (0845-3030456) to see if an offer's on the table. If they get a positive answer - and they're prepared to wait a few weeks on top of the LBA - they may get the cash back without court action.

[tonycee]

Hi dar£n......NatWest have very recently got into a habit of sending out offers minus the interest and court costs, there are quite a few threads in here with the same story...Heres mine if it helps in any way..

 

28 Apr Prelim.

15 May Sorry but its all my fault letter.

15 May LBA.

05 June Filed N1 Reading County Court.

Charges £1,334.00p Interest @ 8% £185.21p Court fee £120.00p

19 June Cobbetts (Natwests solicitors) Intend to defend all of claim.

20 June Letter from Natwest offering £1,334.00p as full and final.

26 June Accepted offer as i think i made a mistake on my claim.

01 July Not received credit to my account as of 11.00 Sat 30/06/07.

 

P.S. Thanx for help and advice with Barclays claims x2 £3,376.39p waiting for court date.

[dar£n]

Thanks Tony, when they send offers out for what you are claiming, you have to accept really dont you ????

 

Pity they didnt ALL do this, save them thousands.

[hedgey06]

If your friend receives a 'gesture of goodwill' letter stating that all charges will be refunded in full and they haven't filed at court, the offer should be accepted. If they've already filed at court and paid fees to do so when their offer arrives - different matter!!! Hope it goes well for them

[dar£n]

20/07/07 letter received

Thank you for your recent letter regarding the fees applied to your account.

 

We are currently considering your claim. Given the work involved in assessing your claim we anticipate that we will be in a position to respond within 6-7 weeks, but endeavour to do so sooner if we are able to.

 

Yours Sincerely

 

This is it word for word.

No personal reference at all.

Even addressed to the wrong person [Mr T instead of Mrs T]..

 

Anyhoo, replied with OUR very standard letter of LBA [lol]

and of course a SECOND copy of SOC's.

 

Recorded delivery of course

[dar£n]

Letter received 10/08/07

We refer to your complaint on bank charges. We believe that your complaint concerns the level, fairness or lawfullness of the charges. If it concerns something else, such as administrative error please let us know.

 

We believe the charges to be fair, transparent and lawful.

 

blah blah blah OFT blah blah blah......usual guff.

[dar£n]

Choosing to ignore their 'advice' about waiting for the outcome of the test case.

My client [hee hee] has been advised by 'me' to continue regardless.

 

Form N1 completed and to be submitted at their earliest convenience.

[hedgey06]

Ha! So much for Nat West bullying us into submission!

 

Best of luck to your friend