How to get your £20 late fee wiped off!

Mandles

Well im pleased with myself today. I cant stand natwest ever since my OH got charged over £60 in fees when a £3 cheque bounced , causing a charge of £20 which cascaded in 2 direct debit bounces (as they didnt tell him straight away and it was too late to put funds in to stop the others happeneing) thus a £3 cheque costing us over £60!
May i add that they wouldnt refund any charges when he rung.
So when i got a £20 late fee on my credit card last month for being a day late (have to add important info that i NEVER am usually late paying). So i thought stuff it, i have no great offers on it(no low interest etc) so i know martin would say get rid of it so i just rung to say i want to close my credit card account as it has no balance on it. Lovely lady on other end asked the obligitory "why is that?" , i said because you charged me £20 for paying late so that was the icing on the cake for me with natwest. She looked at my account and said i can refund that for you if you stay so i said ok. so i got my £20 back and i have a feeling that i still may close it in a couple of months time.So maybe keep this in mind if it happens to you.
Drinks are on me!

Jolaaled

well done!
Tesco Finanace charged me 35 squids for being 8 pounds away from paying off the full balance (so they then charge interest on the last 2 whole months of stuff!). I phoned them and, because i'm such a loyal customer , they have waived this charge.

Fab!

Mandles

yes, tesco was a card i got rid of sharpish..they did very well from me.

bhoyzone

Mandles wrote:

Well im pleased with myself today. I cant stand natwest ever since my OH got charged over £60 in fees when a £3 cheque bounced , causing a charge of £20 which cascaded in 2 direct debit bounces (as they didnt tell him straight away and it was too late to put funds in to stop the others happeneing) thus a £3 cheque costing us over £60!
May i add that they wouldnt refund any charges when he rung.
So when i got a £20 late fee on my credit card last month for being a day late (have to add important info that i NEVER am usually late paying). So i thought stuff it, i have no great offers on it(no low interest etc) so i know martin would say get rid of it so i just rung to say i want to close my credit card account as it has no balance on it. Lovely lady on other end asked the obligitory "why is that?" , i said because you charged me £20 for paying late so that was the icing on the cake for me with natwest. She looked at my account and said i can refund that for you if you stay so i said ok. so i got my £20 back and i have a feeling that i still may close it in a couple of months time.So maybe keep this in mind if it happens to you.
Drinks are on me!

Just phoned RBS took your advice and stated I wanted to close account, £20 fee waived. :T

The_Boss

Well done guys, you saved £20 instead of getting a better closing offer that would have saved you more!

Mandles

Not really as account was closed the very next month so got rid of my £20 fee and all my other credit cards are 0% so couldnt do any better!
Well done Bhoyzone.

ericthekidstoner

only got £10 back (£20 charge) from Ikea
I was "offered" it almost before I finished my sentence... got the feeling that it was their standard rebuke

The_Boss

Mandles wrote:

Not really as account was closed the very next month so got rid of my £20 fee and all my other credit cards are 0% so couldnt do any better!
Well done Bhoyzone.

Your thread is called "How to get your £20 late payment fee wiped off!"

So tell me how this plan would work for someone with a balance of, say a few houndred or a few thousand pounds that therefore cannot threaten to close their account immediately?