NatWest (merged)

Stu75

Hi can someone help me please i have an agreed overdraft of £1800 yet my bank (natwest) charge me an unarranged borrowing fee of £28.00 every month even when i am not over my overdraft also sometimes there is interest of at least £19.00 can i try and claim this back? PLEASE HELP

Edinburghlass_2

Abaddon wrote:

Hello, I have a relativly small claim of just over £100.. but as i am a student i need all the money i can get!

I sent the first letter and have since had the reply of "were thinking about it, wil get back to you never". It has been several weeks since then.

What do i do now? Simply follow the instructions and fire off the second letter or should i really wait?

Many thanks!

Send off the next letter now, you have been patient enough

Edinburghlass_2

Stu75 wrote:

Hi can someone help me please i have an agreed overdraft of £1800 yet my bank (natwest) charge me an unarranged borrowing fee of £28.00 every month even when i am not over my overdraft also sometimes there is interest of at least £19.00 can i try and claim this back? PLEASE HELP

You can't claim back interest for going overdrawn.

If you are charged this on months when you don't think you have gone overdrawn it sounds like money going in hasn't cleared say over the w/end and it appears as if you have been in credit throughout the month.

Please check the Reclaim Help Thread post 4 linked to in my signature.

frugalpam

I've just rung and ordered bank statements for the past 6 years, from Natwest - they are only charging me £5, so at least that's ok.

However, when I requested them, the man said to me 'Can I ask you why you specifically want statements going back 6 years?' !!! I replied 'You can ask, but I don't have to reply. I have personal reasons for asking for them' I could almost hear him thinking 'here's another one about to reclaim charges'

I can't wait to sit down with my highlighter pen, and work out just how much they've debited from my account (aside from normal account fees) over the past 6 years, and what I can reclaim - with interest!! When I've gone overdrawn (only ever by a few pounds) I can remember the extortionate fees they charged - which sent me further overdrawn, as they took them out just before I got paid. I am on a mission to get every penny of it back from them.

This forum and the help provided here is a godsend.

Pam

jcr16

when they asked me that question i replied. i want to see where my money has been going over the years. and it appears most of it was in charges, lol.

Jenko2006

Hi

How long roughly does it take from the time you take your QA to the court until you are given a court date hearing.

Cheers :j

frugalpam

I was so taken aback when he asked me that question, I didn't think fast enough to say what I really wanted to say. In retrospect, I should've said 'mind your own business' or 'I want to work out how much I'll be claiming back from you - with interest'
Grrr - the more i read on here about how much people have claimed - and won - back, the madder I feel with the banks!!! I just hope I get it back off them - at a rough guess I'm owed at least £2k.

Pam

jcr16 wrote:

when they asked me that question i replied. i want to see where my money has been going over the years. and it appears most of it was in charges, lol.

Ken.W_2

Jenko2006 wrote:

Hi

How long roughly does it take from the time you take your QA to the court until you are given a court date hearing.

Cheers :j

It was about a couple of weeks for me.

Jenko2006

Thanks Ken

looking forward to it :T :T :T

johncolin78

First Natwest court deadline expires in four days.

Feel good today as I persuaded someone on these boards who had claimed about 4k for the last two years charges to go over his statements and reclaim for the entire six years. Wish everyone in England would do it. And USA for that matter (working on that one).