Natwest Charges

jeni436

hello everybody, i am new to this forum so if i post in the wrong places, please feel free to shout at me lol.

I have had a letter from natwest this morning informing me that they are to charge me £28 at the end of the month for unarranged borrowing fees, this is due to being £4 over my overdraft limit. I can accept that i shouldnt go over my limit and would probably under normal circumstances just cave in a pay it but, the thing thats annoying me the most is that i was literally overdrawn for a few hours!! the account went over drawn on the monday morning and i went straight to the bank and put in some money to cover this amount. i know with my husbands bank (yorkshire bank) that as long as he puts money in to cover the amount on the same day they do not charge him at all. I wanted to try and claim back these charges as i think its unfair, i havent gone over my overdraft limit before, but after reading the instructions on this website of how to go about claiming back the charges, it says to op-en a new account etc etc, but i cannot close the natwest account due to the overdraft i have and cannot pay right now so what should i do ? i have lots of DD's that go out of that account as well. can anyone suggest what i do next ?

so much for natwest's advertising stratergy of "theres a better way" yes there is, dont bank with them!!

thanks in advance for any suggestions :T :T

Jeni

MPH80

jeni436 wrote:

i havent gone over my overdraft limit before

If that's genuinely the case - then phone them, explain the situation, emphasise it's not like you and ask if they will, on this occasion, wave the charge.

It's much easier than going down the unfair charges route, especially over £28.

M.

jeni436

oops already relised ive posted in the wrong place (slaps hands) im sure somebody can move this for me though - please

i have already called them and the reply i got was that she would put me through to the borrowing manager to disscuss it so i said i would put it in writing - mainly due to panic as i really did not know what to say to this person if i spoke to them ( am not very good at this kind of thing ) and the thought of having to talk to some guy about a £28 charge when my account has such a large overdraft anyway (£1850), scared the living daylights out of me lol