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Can i claim back my bank charges if i close my account?

lyndsayx_2
lyndsayx_2 Posts: 7 Forumite
in Reclaim bank & credit card charges
I have taken out a loan in order to cover the overdraft i have with NatWest, as i was fed up with the constant stupid charges and want rid.

Would i be ok to close the account and then start trying to reclaim my charges from them?

I'm worried that unless i close my account they will charge me for something or other.. HELP!! :confused:

Comments

  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    the terms of the loan would require the natwest account as the servicing account, so no they won't allow the account to be closed until the loan is repaid.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • lyndsayx_2
    lyndsayx_2 Posts: 7 Forumite
    No no no, i took the loan out with another bank. I Wouldn't give natwest a penny more of my business by taking a loan with them!
  • lyndsayx_2
    lyndsayx_2 Posts: 7 Forumite
    Anyone?? I'm off to see them in about an hour!
  • stu1975
    stu1975 Posts: 76 Forumite
    Yes that would be fine to close the account as long as you have not given the loan co DD details for that bank for repayments.
    You can still claim charges on a closed account
    Abbey Claim 1 - WON £2300 Inc Interest :rotfl:
    Abbey Claim 2 - Won £990 :rotfl:
    Abbey Claim 3- £1157.80 + Interest @0.25 per day (LBA)
    Natwest-SAR sent 10/08-Closed Account
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    lyndsayx wrote: »
    Anyone?? I'm off to see them in about an hour!
    Close the account but do not deal with the bank charges case in person as there is no paper trail. As an aside, they will close the account next week as they cannot do that today as the systems they require to give a closure figure are not available at weekends.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • lyndsayx_2
    lyndsayx_2 Posts: 7 Forumite
    Yes i was told that when i called in, useless as i work monday to saturday afternoon. I wanted to see them in person to make sure they actually close the damn thing properly, i don't trust them at all with handling my account after the total !!!! up they've made of things so far!
    I have already sent a letter requesting a list of charges, and am well aware that i will need to persue them in writing.
    Cheers, i will get it closed down today if i can negotiate leaving work early! :)
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