Report Bank Charges successes and failures

emwil14

fp2001pf wrote: »

Help!!!
I made a claim in May 2007
Amount: 2600 and I did not include charges (yeah stupid)
Bank: Natwest
Result: Negative - I received a letter second week of January saying that they are happy with the outcome of the Supreme Court 25 November 2009, and therefore no refund will be made.
I have 8 weeks to reply, if i dont complain the case will be closed.

What can I do? Any help and advise I would much appreciate.
(Yes I go in overdraft every month).

Thanks in advance.

dont sit back and do nothing!!! write back and stress to them that if they thought the amount they have charged every time was fair then why have they now lowered the charge amount to £5?! its double standards! they cant be happy with it and change it? i did this and said i would be perfectly happy to accept the difference between £5 and £35 been as you are not willing to pay the full amount and i got a letter saying il get an offer in the next 21 days!!! mind you i am scared cos knowing my luck it might be a fiver lol!
good luck anyway, give em hell x

daveprince37

Started Claim - July 2008
Original amount claimed for - £3111.50
Bank - HSBC

As I claim during the FSE waiver - I was told that my case would be put on hold... fair enough...

As they kept extending the waiver and the Financial Hardship was brought in... I claimed FH - (correctly, as it was a vicious circle)

then in September 2009 they offered £408 to cover the charges over the last 3 months...

I accepted these on the understanding that it was not in full and that I will also continue my claim with the Finanial Ombudsman... also during this time I put in another claim for the charges since July 08 which came to £800 minus the £408 they paid back.

After the ruling they wrote back to confirm that they feel that the charges were fair etc and if nothing within 8 weeks closed... blah blah...

So I sent another letter off explaining that it is in their interest to prove that they were fair and consistent!

Then Martin gave us new template - I have sent the one off to the Financial Ombudsman and another to the bank... - the Ombudsman have replied stating high volume and my case will be seen soon... and the bank are standing their ground and saying No...

Please help...:j

emwil14

mikeyry wrote: »

what address did you send you letters to?

i sent them to: customer response services unit
drummond house
first floor
1 redheughs avenue
edinburgh
EH12 9JN
the phone number is:08453030456
hope this helps x

sharon666

emwil14 wrote: »

i sent them to: Customer response services unit
drummond house
first floor
1 redheughs avenue
edinburgh
eh12 9jn
the phone number is:08453030456
hope this helps x

thanks:I am sure it will help all of us, on here, looking for the address of the natwest bank /yes?

emwil14

sharon666 wrote: »

thanks:I am sure it will help all of us, on here, looking for the address of the natwest bank /yes?

yes it will. il keep you all posted about what happens. i think the bank thinks if it keeps knocking everyone back then eventually they will only have to pay a handfull of people! they have sat on our money long enough!!!

chants1981

jowli wrote: »

Hi, I was wondering what address you sent the letter to and also what exactly did you say?

thanks

Yes hun, i sent it to:

LLoyds TSB Plc
Charlton Place
Andover
Hampshire
SP10 1RE

I sent everything recorded delivery and simply followed Matins bank charge tips- hardship :money:. I explained my circumstances and how i have been charged £500+ per year in bank charges in the past 10years. I explained my personal problems (beriefments etc), repossesions etc...

Hope this is useful and Lloyds seems very swift in their response so we will see what happens. if i am succesfsful i will be more than willing to help any1 that needs it. :rotfl:

sharon666

chants1981 wrote: »

Yes hun, i sent it to:

LLoyds TSB Plc
Charlton Place
Andover
Hampshire
SP10 1RE

I sent everything recorded delivery and simply followed Matins bank charge tips- hardship :money:. I explained my circumstances and how i have been charged £500+ per year in bank charges in the past 10years. I explained my personal problems (beriefments etc), repossesions etc...

Hope this is useful and Lloyds seems very swift in their response so we will see what happens. if i am succesfsful i will be more than willing to help any1 that needs it. :rotfl:

you are a good un, thank you so much, i will post with a update, thanks for now, big hugs, i hope this help others on here too.:A
sharon666

sharon666

chants1981 wrote: »

:mad: B4 the Supreme court ruling i had sent numerous claims to Lloyds and was put on hold. I then put a calim in for hardship and heard nothing.

I followed Martins new approach. i sent a hardship claim in again 4th feb 2010 for £7858.52 including interest. Low and behold 8th Feb Lloyds sent me a letter saying they would look into my concerns and will let me know the outcome within 4 weeks.

Fingers crossed:wave::wave: I will keep you updated.

good luck to you
sharon666

sharon666

mista_mason wrote: »

thank you sharon666, il take your advice and keep you posted

good luck to you
sharon666

sharon666

URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=2"]edit[/URL
Contact Details

REGISTERED ADDRESS: -
NATIONAL WESTMINSTER BANK PLC
135 Bishpsgate,
London
EC2M 3TP.

DATA PROTECTION ACT

Address For a Full bells and whistles S.A.R - (Subject Access Request)
Data Protection Manager
Regulatory Risk
2nd Floor
Business House B
Goggarburn
PO Box 1000
Edinburgh
EH12 1HQ

Address For S.A.R - (Subject Access Request) Bank statements only
Customer Relations Services Unit
1st Floor
Drummond House
Redheughs Avenue
South Gyle
Edinburgh
EH11 9JN
or, if you have online banking, follow these instructions:
1) Log into online banking
2) Click Statements on the top left hand side
3) View Bank Statements on screen
4) Select the account you want then click next
5) Hey presto you have the last 6 years statements going back to October 2002.


Address for Prelim and LBA as from 25th August 2007
Customer Service Response Unit
The Cornerstone
60 South Gyle Crescent
Edinburgh
EH12 9WF
Address for CCA for Natwest Credit Card
NatWest
Credit Management Services
Kendal Court
Ironmasters Way
Telford
TF3 4DT
Natwest Credit Card
Cards Customer Services
Customer Contact Centre
PO Box 5747
Southend on Sea
SS1 9AJ
Address for PPI S.A.R - (Subject Access Request) where a copy/copies of agreement(s) are being requested
PPI Customer Concerns Team
FAO Information Request Team Hardman Boulevard
5th Floor, Hardman Boulevard
Manchester
M3 3AQ.


COMPLAINTS DEPARTMENT EMAIL ADDRESS: -
Online Form
or send to [EMAIL="feedback@NatWest.com"]feedback@NatWest.com[/EMAIL]

CUSTOMER SERVICE/COMPLAINTS CONTACT NUMBER: -
Contact Your Branch

INTERNET BANKING WEBSITE: -
Log On

HOW TO OBTAIN YOUR STATEMENTS ON LINE: -
- (Subject Access Request)

OTHER CONTACTS: -
Card Services - fax number + Data Protection Act....01702 278306
Customers in Financial Difficulty: 0845 600 6423

NatWest Customer Relations,
Freepost NAT12685,
Borehamwood,
Hertfordshire.
WD6 1BR

NatWest (or Royal Bank of Scotland).
Fred Goodwin
Group Chief Executive
The Royal Bank of Scotland Group plc
PO Box 1000
Edinburgh
EH12 1HQ

OR

Gordon Pell
Chairman and Chief Executive, Retail Banking
The Royal Bank of Scotland Group plc
PO Box 1000
Edinburgh
EH12 1HQ
URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=3"]edit[/URL
URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=4"]edit[/URL


URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=5"]edit[/URL
URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=6"]edit[/URL
Abbreviations on Statements

ATM - Automated Teller (Cash) Machine
BAC - Automated Credit
BGC - Bank Giro Credit
CHG - Charge
D/D - Direct Debit
DIV - Dividend
DR - Account Overdrawn or Debit Item
IBP - Inter Branch Payment
INT - Interest
ITL - International
NDC - No Dividend Counterfoil
OTR - Online Banking
PO - Post Office
POS - Point of Sale - Switch/Maestro
S/O - Standing Order
SBT - Funds Transfer
TLR - Teller Transaction
TMS - Travel Money Service
TSU - Telephone Banking


URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=7"]edit[/URL
NatWest Online Statements

As from 16th August 2008 you can now view statements on-line back to October 5th 2002
Quick guide:

• (1) Log into NatWest online banking,
• (2) Go to statements on the right hand side and click on that,
• (3) then on the drop down menu it says "historic transactions" then you need to choose dates not more than 12 months, ie 5th October 2002 until 4th October 2003, etc,etc,.

URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=8"]edit[/URL


URL="http://www.consumerwiki.co.uk/index.php?title=Natwest&action=edit&section=9"]edit[/URL
HOPE THIS HELPS YOU, TO FIND THE ADDRESS YOU NEED, I JUST PUT IN NATWEST COMPLAINTS IN GOOGLE, AND YOU WILL FIND OTHER INFORMATION ON THERE , I DON'T BANK WITH THE NATWEST, BUT, SOME OF THE INFORMATION MIGHT INTEREST YOU, HOPE IT HELPS YOU GET THE ADDRESS YOU ARE AFTER.
GOOD LUCK