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


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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?!? ;)



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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! ;)

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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

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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



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