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Charges!! Can anyone help

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Hello all. I found this website last night and had decided to put together my documentation to claim back bank charges, cause I am so angry with Natwest at how they do it.


I have an advantage gold current account, with a £2500k overdraft, I have not been working since Feb due to illness so my income has dipped considerably to approx £1150 per month so needless to say I am on a tight budget with 6yr old son. In the last 8 days natwest have applied £181 of charges to my account. one amount of £38 was because of insufficient funds for a £20s/o to my sons Young saver Account. I had cancelled this on 9th June but it went out on 12th as I had not given two working days notice, but it didnt go anywhere!! I put £5 on my mobile phone by solo card autopayment and was charged £35 due to insufficient funds. I paid sky £41.66 over phone the funds were there, but by the time they applied all of the charges and I had taken some cash they werent so sky isnt paid and I was charged £38.00!!! I have phoned and said that they are fully aware that these charges are not viable that I have not even received a single letter regarding the charges so how they are for admin costs is beyond me!! NOW Here is my immediate problem, I am budgeting on £250 a week to pay all of my bills and grocery etc I do not claim benefits. By taking £181 in charges I have been left with £70 to live on this week. I am so angry and this seems so unfair, the woman I just spoke to said that the bank have done absolutely nothing illegal and there was nothing she was prepared to do regarding these immediate charges.


Please does anyone have any quick advice so that I can get these charges reapplied it seems criminal that I know damn well I have the 5k amount to reclaim over the last 6 years which I shall, but they are actually because of said charges making my life a nightmare so that my standard of living at mo is Zero. Its been a bad week anyway, but this is tin lid :( In hope???? TY

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Read and re-read the FAQs and the forums. That will give you the answers you need.

Start your own thread in the appropriate forum and if you have any questions un-answered, then post them in your own thread and soneone will be able to help you.


Don't expect your charges back by tomorrow, but if you follow the guidance from this site, you will get them.


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the woman I just spoke to said that the bank have done absolutely nothing illegal


it may not be illegal, but it's certainly unlawful

... a little

Mahala is a powerful thing ...


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All advice is offered informally. If in any doubt, seek professional advice.

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I put £5 on my mobile phone by solo card autopayment and was charged £35 due to insufficient funds.


I find this quite disturbing. Solo cards are supposed to be electronically authorised at point of sale (hence the reason some places can't take them). You should not be charged over Solo card payments as the transaction should have been declined. They would get into hot water if they let a 16 year old do this.

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Not every SOLO transaction is authorised in the way that you think.


Some retailers - particularly mobile phone companies and "Pay at Pump" petrol stations - pre-authorise to a set amount i.e. £60 at the pumps. The retailer takes the risk on the transaction and you can still become overdrawn.


As long as the card is not flagged as "blocked" and has £1 on - then it will authorise up to the retailers limit.


Try paying for petrol at the pump with only £1 in your Electron or Solo at TESCO - you will be able to draw £60 of fuel, your card will debit 2 days later and you will be O/D unless you replaced the funds.


I'ts a very dubious situation regarding the charges and proves that even SOLO and ELECTRON are not infallible.

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