Nat West Shambles - Please Help

skintsue

Sorry, needed to clear

natweststaffmember

Ok, let's firstly go back to the start. When did you instruct NatWest NOT to change your account to a fee paying one, and I assume you mean one with "extras" ie advantage gold or advantage blue?

skintsue

Not needed

natweststaffmember

skintsue wrote: »

When they sent me a shiney folder telling me I was going to be transfered onto Advantage Gold the following month. I looked through all the bumph very closely and right at the back was a note with the £12 per month charges for all the lovely things I was going to get - Car Insurance or Breakdown cover (I don't drive), Business Class Airport Lounge admission (I flew once a year budget airline), Mobile phone insurance (already on House and contents, and so old it would be cheaper to buy a new one).
I rang the same day to tell them I didn't want or need it and at £12 a month it was a sizeable chunk out of my Disability Living Allowance and Incapacity Benefit which would be better served being used towards my heating bills, prescriptions and fares to the hospital for physio etc.
I also sent a covering letter rejecting the transfer and requesting I was left on the basic chequebook current account.
I did check the statements the next couple of months, just in case, which showed nothing altered.
What I did not know was that the charge was made the month after the event, and as the money going in and coming out was always the same. it was only a couple of months later before I realised.
I got in touch as soon as I found out.

Ooooh, you have now got me very very very very intrigued now.....hands are rubbing with glee. When you spotted this AGAIN ie the charges, did you complain again?

natweststaffmember

Sod it, PM to be sent to ya.

skintsue

sorry deleted

natweststaffmember

skintsue wrote: »

Oh yeah, I complained as soon as I found out and demanded that I was changed back and had the fees refunded. I was told that it was impossible to do once I was on it, and no refunds.
What I want you to do(I have read this bit having replied to your PM so this is exactly what I was asking you), is to go through the whole of the benefits of Advantage gold at the time.
I need to ask why the conversation came up about Advantage gold and did you sign anything at the point that it was said?
I then asked for my statements for the previous 6 years (per the templates on this wonderful site) which took 18 MONTHS to get.
Because I was on DLA and IB all the returned D/Ds and S'Os were bounced and charged for as there was not enough monry to cover them and the charges/fees.
Who was the Direct Debits for? Standing Orders for?
Therefore my debt was increasing so fast some months I didn't have enough money for heat, food, or to pay for my prescriptions.
I was paying interest on the charges, an unauthorised overdraft, and more for letters to tell me I was exceeding my O/D. Sort of 'you are o/d by £xxx, here is a letter costing £25 to tell you. Oh by the way you are now o/d by £xxx+25.
If they had frozen the account as requested by CAB when they sent my Financial Statement and offer to pay forms the first time I would have been able to make inroads into the debt.

Instead they refused, lost the next set of paperwork, took over 8 weeks to even look at the 3rd set and froze the account 18 months after being asked to, when the debt from the charges and interest were treble what the debt I had run up was ( and most of that was interest, fees and charges, not what I had gone out and bought things with).
Did they lose paperwork from Citizen's Adive?
In effect I was paying interest each month on interest they had charged on fees that they had imposed that they were not supposed to have put in place in the first place.

Let's try and work this from the first point.
I am looking at the advantage gold stuff first cos I suspect the branch went on that 90 day money back nonsense and yet failed to actually look at whether you actually needed the account. If the fees did lead to unarranged borrowing then we are looking at the consequential losses that came about because of the failure to administer your account correctly.
With regards to DD's and Standing Orders we will see what can be done in this regards as to whether the fact there was no refunds on the above may have indirectly lead to further charges. They may not have dealt with your case properly or even considered you being in financial hardship even though you had numerous charges on the account which might have outweighed the income coming in.
I think we have a chance on this one.

skintsue

sorry again

skintsue

duplicated message

natweststaffmember

You did because you accepted their offer twice in writing and NatWest would have a record of offers being made. Furthermore, the Supreme Court Judgement did contain elements which did state that individual claims would be successful against the collective challenge made by the OFT.

skintsue

duplicated details