Any Suggestions / Help with Natwest revoking an offer

mrworld

After following advice on this site (Thanks) I received a letter from Natwest in 2007 syaying that they would offer me around 2 k back which was put on hold due to the court case , last week I recieved a letter basically saying that they now deem the charges to be fair and that I have 8 weeks to respond before they consider the matter closed.

By the fact they made an offer initially is there anything I can do by way of sending them a letter to follow up on this in an attempt to get what they offered me in the first place.
Any advice, suggestions of working or better still a template letter would be VERY MUCH APPRECIATED!!

Orford

What was the date of their offer letter?
Did you reply accepting it?
Have you written to them about it the the intervening 2 years?

esmerellda

Did they actually make the offer ?

Did you accept the offer within 2 months ?

If no to both of those then no the offer doesn't still stand, if they did make an offer, and you accepted it within the two months, then they should have paid you it at the time and you can bug them for it.

mrscarolb

Hi, newby here, sorry not a reply just struggling to actually get on to ask for help. I was offered a goodwill from RBS with an account on financial hardship basis, but refused on another account with same financial hardship issue. I accepted and forwarded my response, they did not receive!! several calls later they continued to promise to address it, still no monies, they have now put this account to a third party who are threatening court proceedings with a threat to put a charge on our property, they have not accepted the fact that the claim was in place. I have all the paperwork thankfully, any suggestions?

Mrs Carolb

mrscarolb

Sorry, third party is Incasso, not registered on Ministry of Justice site.

natweststaffmember

mrscarolb wrote: »

Hi, newby here, sorry not a reply just struggling to actually get on to ask for help. I was offered a goodwill from RBS with an account on financial hardship basis, but refused on another account with same financial hardship issue. I accepted and forwarded my response, they did not receive!! several calls later they continued to promise to address it, still no monies, they have now put this account to a third party who are threatening court proceedings with a threat to put a charge on our property, they have not accepted the fact that the claim was in place. I have all the paperwork thankfully, any suggestions?

Mrs Carolb

Please seek advice from the Financial Service Ombudsman. If Incasso is chasing the debt, tell them that the debt has been passed to them in error and the Original creditor is currently negotiating a refund of charges because you are suffering financial hardship issues. If Incasso insist on a payment refuse it point blank until the original creditor ie the bank have done what they have said.
Write to the bank(recorded delivery) and state you are accepting their offer of a refund of charges on financial hardship grounds plus you want them to reimburse you costs and telephone calls because the bank lost the original acceptance form and further compensation based on the fact that they passed the debt on whilst you were still discussing it with the bank.

mrworld

Orford wrote: »

What was the date of their offer letter? Offer was made on 11 July 2007
Did you reply accepting it? No I did not.
Have you written to them about it the the intervening 2 years?

No I have not.

The offer was made and now I I have a leter dated 19/01/10 saying that t6hey belive the charges are fair, surely as they made an offer in the first place I could send them something right?

mrworld

esmerellda wrote: »

Did they actually make the offer ?

Did you accept the offer within 2 months ?

If no to both of those then no the offer doesn't still stand, if they did make an offer, and you accepted it within the two months, then they should have paid you it at the time and you can bug them for it.

Yes they made an offer on July 11th 2007, I did not accept due to the birth my 1st child around this time so the offer kind of got forgotten about ...

Orford

Sorry, you're not going to like this.

They make an offer of 2k, which you don't bother replying to at all and are only galvanized into doing anything about it when they write to you two and a half years later.

Some people are their own worst enemy.

The only chance you have now is if you are suffering financial hardship.See guide here:

http://www.moneysavingexpert.com/reclaim/bank-charges

mrworld

Orford wrote: »

Sorry, you're not going to like this.

They make an offer of 2k, which you don't bother replying to at all and are only galvanized into doing anything about it when they write to you two and a half years later.

Some people are their own worst enemy.

The only chance you have now is if you are suffering financial hardship.See guide here:

http://www.moneysavingexpert.com/reclaim/bank-charges

fair comments and thanks for taking the time to reply.