FH Story

sleener

Natwest recieved my letter and Financial Statement 7th Jan 2009
phoned after a week to find out what happening was told cases was nearly there would be a few days
today still nothing so i rang them again
after two regular bank bods giving corporate response not answering my q's one stateing that they have "thoasands and thoadsands of cases they are dealing with"
i was passed onto the manager of the FH dept in Natwest who answered his phone with hello Business Support to which i queried he told me the FH was part of the Bus Sup he confirmed the UK FH Team consists of 6 people who deal with aprox 60 cases a day or 10 each slightly different to the "thoasands and thoasands"
the manager tryed to give me the same corporate responses but i was not accepting it and i told him i was writing down all the info he was telling me and that i would check with family member who worked for rival bank the answers he was giving me
to this he changed his tune to OK i will look at your case today and if there is anything missing from your claim i will call you back and let you know what is missing as well as send you a letter with these points ok i said and waited patiently
an hour has passed and i just recieved a call back from him with im sorry but we need more proof of expenditure as in photocopies of documents proveing rent and letters from creditiors
when i asked him why this is NOT MENTIONED OR ASKED FOR on the claim form he replied "its a generic form" i tried to confirm the details over the phone but he wasnt having it so we came to an agreement
i asked him if these items of proof are sent that our case would be looked at upon reciept of recorded letter
to which OMG im not sure if I can believe this he said "once these have been recieved and all the info backed up we would be refunded the bank charges"
as i quickly gather the documents and send them rec delivery att of this manager i am wondering is this now the time to get a little excited about getting my stolen money back and be able to pay the people i should have payed if the bank hadnt stolen the money in the first place
and possibly have a tenner left over to buy myself and the wife a beer
or will quantative easing be in place before they refund

natweststaffmember

The bank will review a Financial Hardship case on the basis of the evidence provided. The bank DOES NOT have to refund charges but they can suspend charges(all of that is contained within the FSA Waiver on Bank Charges on my signature). They usually refund under extreme hardship, ie priority debt arrears. Keep us updated and the number of people dealing with such cases does not surprise me.

orange26_2

If you are in a genuine case of financial hardship then yes the bank will look to refund charges and suspend the account from any future charges on the account (as far as I am aware until the outcome of the courtcase is known). I urge you to try and remember that in this current climate that I am sure that staff members within these institutions are under extreme pressure in this day and age and I am sure are trying their very best to deliver a service and doing their jobs. And I can believe that they have thousands and thousands of applications to deal with due to the bandwagon culture that is encouraged in this society, so perhaps its unfair to assume that what you have been told is incorrect information.
I also doubt very much that your mention of a rival bank changed the situation as you are suggesting, as each institution takes guidance from their legal team and follows these rules and guidelines, so perhaps the poor manager was only trying to do his best as you clearly would not take no for an answer after being told by 2 different members of his team about the procedure.

I see you refer to 'stolen' money, I urge you to cast your mind back to when these charges were applied to the account for various reasons which I am sure range from unpaid direct debits to exceeding your limit, unpaid chq's etc. When you allow this to happen on your account you are in fact stealing from the bank by using money that does not belong to you, so of course you should be penalised, however I have no doubt that you will disagree.


P.S if you are in genuine financial hardship you shouldnt really have money for beer.

natweststaffmember

Orange, the beer money mentioned in the post was about AFTER the charges are refunded and not BEFORE

orange26_2

HAHA HAHAHA thanks for pointing that out to me, must have mis read that part. I wish my bank would pay for my beer! :beer: :beer: :beer:

sleener

orange26 wrote: »

If you are in a genuine case of financial hardship then yes the bank will look to refund charges and suspend the account from any future charges on the account (as far as I am aware until the outcome of the courtcase is known). I urge you to try and remember that in this current climate that I am sure that staff members within these institutions are under extreme pressure in this day and age and I am sure are trying their very best to deliver a service and doing their jobs. And I can believe that they have thousands and thousands of applications to deal with due to the bandwagon culture that is encouraged in this society, so perhaps its unfair to assume that what you have been told is incorrect information.
I also doubt very much that your mention of a rival bank changed the situation as you are suggesting, as each institution takes guidance from their legal team and follows these rules and guidelines, so perhaps the poor manager was only trying to do his best as you clearly would not take no for an answer after being told by 2 different members of his team about the procedure.

I see you refer to 'stolen' money, I urge you to cast your mind back to when these charges were applied to the account for various reasons which I am sure range from unpaid direct debits to exceeding your limit, unpaid chq's etc. When you allow this to happen on your account you are in fact stealing from the bank by using money that does not belong to you, so of course you should be penalised, however I have no doubt that you will disagree.


P.S if you are in genuine financial hardship you shouldnt really have money for beer.

I did not allow this to happen the money was stolen from my account.
BY THE BANK
WITHOUT AUTHORIZATION
I HAVE BEEN ON BENEFITS SINCE THE ACC OPENED
ALL MONIES PUT INTO THE ACC WERE BY THE GUV
BANKS ARE ABLE TO SEE THAT THIS MONEY COMES FROM THE GUV
SO THEY STOLE THE MONEY
OMG
I CANT BILIEVE YOU SAID I/THOSE THAT HAVE BEEN STOLEN FROM NEED TO BE PENALISED
THE BANKS ARE THE BIGGEST FRAUDULANT OPERATION IN THE HISTORY OF THE WORLD AND ALLOW U THE SHEEP TO GO OVER UR STATED CREDIT LIMIT BY A FEW PENCE THEN CHARGE U £125 FOR THE PRIVLEDGE AFTER SUPPOSEDLY CHECKING YOUR ACC TO SEE IF THE CHARGE CAN BE APPLIED NOT GIVING A MONKEY THAT THE NEXT DAY AGAIN RECURRING DEPOSIT MONEY FROM THE GUV WOULD BE IN THE ACC TO COVER THE FEW PENCE AND THEN DUE TO ONE BEING A FEW PENCE SHORT THE NEXT DD BOUNCES AND THE NEXT AND BY THE END OF THE NEXT DAY YOU OWE THE BANK A FEW HUNDRED QUID WHICH THEY LOAN YOU MONEY TO CLEAR AND ADD INTEREST ONTO THAT SO WE HAVE GONE FROM SOMEONE IN THE BLACK TO SOMEONE WHO OWES THE BANK HUNDREDS OF POUNDS WITHIN A DAY OR SO
THE BANKS CANT KEEP AN UP TO DATE BALANCE AND SO HAVE ALLOWED THIS TO HAPPEN TO STEAL EVERYONES MONEY VIA ILLEGAL REMOVAL OF FUNDS
DO ME A FAVOUR KEEP YOUR RIDICULOUS OPINIONS TO URSELF
DO SOME RESEARCH
WAKE UP

kdbetteshanger_2

sleener wrote: »

Natwest recieved my letter and Financial Statement 7th Jan 2009
phoned after a week to find out what happening was told cases was nearly there would be a few days
today still nothing so i rang them again
after two regular bank bods giving corporate response not answering my q's one stateing that they have "thoasands and thoadsands of cases they are dealing with"
i was passed onto the manager of the FH dept in Natwest who answered his phone with hello Business Support to which i queried he told me the FH was part of the Bus Sup he confirmed the UK FH Team consists of 6 people who deal with aprox 60 cases a day or 10 each slightly different to the "thoasands and thoasands"
the manager tryed to give me the same corporate responses but i was not accepting it and i told him i was writing down all the info he was telling me and that i would check with family member who worked for rival bank the answers he was giving me
to this he changed his tune to OK i will look at your case today and if there is anything missing from your claim i will call you back and let you know what is missing as well as send you a letter with these points ok i said and waited patiently
an hour has passed and i just recieved a call back from him with im sorry but we need more proof of expenditure as in photocopies of documents proveing rent and letters from creditiors
when i asked him why this is NOT MENTIONED OR ASKED FOR on the claim form he replied "its a generic form" i tried to confirm the details over the phone but he wasnt having it so we came to an agreement
i asked him if these items of proof are sent that our case would be looked at upon reciept of recorded letter
to which OMG im not sure if I can believe this he said "once these have been recieved and all the info backed up we would be refunded the bank charges"
as i quickly gather the documents and send them rec delivery att of this manager i am wondering is this now the time to get a little excited about getting my stolen money back and be able to pay the people i should have payed if the bank hadnt stolen the money in the first place
and possibly have a tenner left over to buy myself and the wife a beer
or will quantative easing be in place before they refund

I think you should have remained a little calmer when dealing with the bank. Fortunately, I have a husband who always remains calm when dealing with people (he's a senior school teacher). We have recently been awarded £5,000 in bank charges from NatWest and I think this partly due to the fact that my husband just remains calm, does what is suggested etc. We had a call from someone at NatWest - my husband confirmed to her our drop in salaries and confirmed the financial hardship we are in. The next day we received a letter offering us £5,000 - we had only claimed £3,500!!! I just urge anyone to keep calm when dealing with people on the phone! I don't consider the money stolen by the banks, however, I do consider the large charges to be unfair, often putting people in far worse situations - just for going overdrawn for several pence!!!! Am just pleased to be reimbursed the charges. I must, however, state that my husband is a supply teacher and has recently only had work for 1 or 2 days per week (over a period of 3 weeks) - because he worked 1 day a week he cannot claim any benefits at all, even after 25 years teaching! It has been a struggle, but the bank charges refund will now help until he finds a permanent job again.

sleener

FINALLY an EXEPTIONAL OFFER FROM NATWEST
a few hundred less than what we asked for maybe that was my miscalculation but just over £2500 with the "acceptance of this payment does not prevent you from benefiting, if the legal decision is more advantageous to you"
I WILL FIGHT ON
I WANT MY INTEREST
KEEP UP THE FIGHT ALL THEM THEIVING BANKERS NEED TO REPAY