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claming bank charges

louisaL
louisaL Posts: 290 Forumite
in Reclaim bank & credit card charges
i have about £175 worth with natwest and wondered if the preceedure is still the same i.e write letters to bank :confused:

Comments

  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    louisaL wrote: »
    i have about £175 worth with natwest and wondered if the preceedure is still the same i.e write letters to bank :confused:
    process is the same.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • Joyfalula
    Joyfalula Posts: 37 Forumite
    natweststaffmember wrote: »
    process is the same.

    Is anyone actually receiving refunds while the banks are at court or is everything on hold waiting for a ruling?
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    Joyfalula wrote: »
    Is anyone actually receiving refunds while the banks are at court or is everything on hold waiting for a ruling?
    Financial hardship cases are getting refunds albeit partial refunds. Most cases are on hold currently but that should not stop anyone starting the process of reclaiming the charges today.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • Joyfalula
    Joyfalula Posts: 37 Forumite
    natweststaffmember wrote: »
    Financial hardship cases are getting refunds albeit partial refunds. Most cases are on hold currently but that should not stop anyone starting the process of reclaiming the charges today.

    How would one qualify or prove "financial hardship" in order to receive at least a partial refund?
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    Joyfalula wrote: »
    How would one qualify or prove "financial hardship" in order to receive at least a partial refund?
    Still using the account, still incurring charges, have an issue that caused the charges to start ie loss of employment, separation from partner, etc,etc,. Furthermore, the charges would take money out of your budget to pay priority debt arrears(mortgage or rent, council tax, utilities).
    It would have to be household income and expenditure being insufficient to cover essential outgoings(because of the charges). Each bank does appear to have its own criteria for dealing with this.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • Orford
    Orford Posts: 2,199 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Arrears in priority debts (rent/mortgage, utilities, council tax), outgoings exceeding income, threat of eviction/court

    See here:
    http://www.moneysavingexpert.com/reclaim/bank-charges-hardship
  • louisaL
    louisaL Posts: 290 Forumite
    thanks very much do you know how long the 'hold' period is if i didnt cover the financial hardship?
This discussion has been closed.
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