Reclaim bank charges with Natwest

kenzie72

Hi, I've searched through the forum but couldn't really find what i'm after.

I had a student account with Natwest with a £2000 overdraft. I had loads of charges and eventually Natwest closed my account in 2006/2007. I have received letters from debt compaines wanting payment of the account etc. I don't have any information about the account, i.e account number etc.

Can i claim the charges back, if so how do i go about it?
I am unemployed at the moment and my parter and myself are struggling to make payment on bills, so would i qualify for finincial hardship?


Sorry if this seems silly, i just don't understand the whole situation,lol.

Thanks

natweststaffmember

kenzie72 wrote: »

Hi, I've searched through the forum but couldn't really find what i'm after.

I had a student account with Natwest with a £2000 overdraft. I had loads of charges and eventually Natwest closed my account in 2006/2007. I have received letters from debt compaines wanting payment of the account etc. I don't have any information about the account, i.e account number etc.

Can i claim the charges back, if so how do i go about it?
I am unemployed at the moment and my parter and myself are struggling to make payment on bills, so would i qualify for finincial hardship?


Sorry if this seems silly, i just don't understand the whole situation,lol.

Thanks

The first thing is to ask for statements on the account that was closed. I suspect that you will legitimately owe the bank more than the charges themselves since the account was interest free £2000.00 for a time. Unless the charges caused the hardship then you might find it difficult to claim them under financial hardship. However, here is the guide for you to start the process
http://www.moneysavingexpert.com/reclaim/bank-charges-hardship