Jump to content


Feeble offer from Natwest Credit card ... advice please!


Maximus
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5175 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I sent off an LBA to Natwest Credit Card services in Southend reclaiming £109 of charges and £42.87 of interest. Total £151.87.

 

Today I received a redirected letter [they'd sent their response to the house I lived at 18 months ago! Despite me putting my present address on the LBA] making an offer of £27.56 to be be paid directly into my account if I accept.

 

They claim this offer is based on the difference between the old charges and the present £12 charges + interest.

 

Obviously I am not going to accept this ... but wondered what the best bet is for proceeding?

 

Has anyone sent a letter rebuffing this kind of weak offer?

 

Or should I simply ignore the letter and head straight to moneyclaim?

 

Look forward to hearing the forum's thoughts and wondered if any forummers have actually received an 'offer' even less than £27.56?!? ;)

 

Maximus

Link to post
Share on other sites

Hi maximus,

 

Basically, they're cheeky s*ds to be perfectly honest with you! They're hiding behind the ruling made last year - when they know perfectly well that their charges remain unlawful!

 

If you've sent the LBA (as suggested in your previous post) then file N1 at your local county court. And don't forget - all bets are off with this being a credit card. Whatever they've charged you in interest - charge them the same on whatever charges they've applied to your credit card account! ;)

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.

Link to post
Share on other sites

as suggested by hedgey g file a claim at your local court after the 14 days period elapsed however, just send them a letter refusing their offer and told them that if you go to court then they will have to pay your court cost and 8% interest on the top of your 150 pounds and go for it they will back down .. good luck

Link to post
Share on other sites

What phill says is right and NW will back down - eventually. Be warned though, they have a habit of taking it right to the wire

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...