Claim back any unfair bank charges! Article Discussion Area

samwey

Good Afternoon!

I just wondered who I address my letters to at Natwest? im about to write the first letter.
Is it the manager of my branch or do I find the name of someone at head office?
Also is it best to send special delivery?


I asked my bank for a list of my charges by phone and they said its not possible but they could send my statement for the last 8 years (how long ive had my account) for a fee of £5. The lady on the phone also complined about three times that its a lot of hassle and do I really need it!!!

Cheers for your help.

Sam

samwey

Also when claiming all the charges do you claim interest from when you incurred the charge of 8% or do you claim interest of what you are claiming for and from the date you claim?

shaun1977

samwey wrote:

Good Afternoon!

I just wondered who I address my letters to at Natwest? im about to write the first letter.
Is it the manager of my branch or do I find the name of someone at head office?
Also is it best to send special delivery?


I asked my bank for a list of my charges by phone and they said its not possible but they could send my statement for the last 8 years (how long ive had my account) for a fee of £5. The lady on the phone also complined about three times that its a lot of hassle and do I really need it!!!

Cheers for your help.

Sam

hi send the letter from https://www.!!!!!!.uk/forum this gives them more of an ultimatum. you only need 6 years of statements and do this with the dpa request get everything in writing, and yes send it recorded delivery, or better stil at your local branch with £10 cash. the 8% interest does not go on until court stages

samwey

shaun1977 wrote:

hi send the letter from https://www.!!!!!!.uk/forum this gives them more of an ultimatum. you only need 6 years of statements and do this with the dpa request get everything in writing, and yes send it recorded delivery, or better stil at your local branch with £10 cash. the 8% interest does not go on until court stages

thanks for your help

I have allready applied for the statements by phone and they should be on there way.

Whats the £10 for? do i just go to the counter and pay it in with the letter?

sorry for being stupid!!

shaun1977

samwey wrote:

thanks for your help

I have allready applied for the statements by phone and they should be on there way.

Whats the £10 for? do i just go to the counter and pay it in with the letter?

sorry for being stupid!!

sorry my fault that one the £10 was the maximum fee for statements. make sure you chase them up by phone and letter. they have 40 days to send them. there is no fee for the next letter.

samwey

shaun1977 wrote:

sorry my fault that one the £10 was the maximum fee for statements. make sure you chase them up by phone and letter. they have 40 days to send them. there is no fee for the next letter.

Thanks mate

Ok i think I understand pretty much everything now and am ready to take on the mighty Natwest.

One last thing if I do need to lodge a claim against them is the interest from when i claimed or from when the charge was incurred?

many thanks! ill leave you alone now!!

shaun1977

samwey wrote:

Thanks mate

Ok i think I understand pretty much everything now and am ready to take on the mighty Natwest.

One last thing if I do need to lodge a claim against them is the interest from when i claimed or from when the charge was incurred?

many thanks! ill leave you alone now!!

hi, from when it was incurred;)

stuart1_2

shaun1977 wrote:

you can reclaim the money, allthough it will go to the trustee, to be distributed.

Thanks for the reply Shaun. Would this happen automatically or would the money be sent to me first? Also if it has been decided that these charges have been unfair all along, could the banks not be held responsible for people who have had to enter into trust deeds or other debt re-payment schemes.

shaun1977

stuart1 wrote:

Thanks for the reply Shaun. Would this happen automatically or would the money be sent to me first? Also if it has been decided that these charges have been unfair all along, could the banks not be held responsible for people who have had to enter into trust deeds or other debt re-payment schemes.

the cheque will come to you, but you are supposed to tell them of any windfalls, they could be held responsible but it would take some proving;)

The_Boss

emma_louise wrote:

I approached Nationwide asking for all unfair charges and recieved a letter back from them and it says in not so many words: thank you for taking the time to write to us regarding this issue, and that they are aware that there has been a lot of speculation about fees and charges in the media and that office of fair trading has issued a directive regarding credit cards.(I wasnt asking about credit cards only bank charges)and that i was well aware of this when i signed the agreement to open an account with them. Nationwide believe it is open and transparent about charges and menbers are pre-notified prior to charges being debited via there monthly statements. and that if i was'nt satisfied then i could always consider alternative banking. They have given me 56 days to come back to them if i am not satisfied with there option. WHAT SHOULD I DO?? PLEASE ADVICE THANKS.

Easy. If you dont like the terms and conditions of an account, dont open it.