NatWest (merged)

fatboy88

I've sent off my sars requesting info for my current account info which i have recieved but i havent received the natwest credit card or mint one as they are covered by RBS.
Do i need to wait for these before i submit my claim or do i claim for part of it now and add the rest when i get them.

Also do i need to wait for the 40days before i chase the other 2 parts.

Bit confused as to what to do now

thanks
will

chris1275gt

I sent first letter 28/02/07.
No reply. Sent second 14/03/07.
Will follow up with small claims court 28/03/07 for full amount £2091.11 including interest, plus costs.
Will post the outcome.

System

fatboy88 wrote: »

I've sent off my sars requesting info for my current account info which i have recieved but i havent received the natwest credit card or mint one as they are covered by RBS.
Do i need to wait for these before i submit my claim or do i claim for part of it now and add the rest when i get them.

Also do i need to wait for the 40days before i chase the other 2 parts.

Bit confused as to what to do now

thanks
will

I think I've got what your saying!!

Start your claim for your current account now, as you have complete information for that.

Only start the claim for your credit cards when you have ALL the information.

They are allowed 40 days to come up with your information by law. But it can't harm to chase up with a letter or phonecall when it gets near the 40 days.

Good luck.....

UNDERGROUND

119parrot

Hello there all!!!!!
Sent schedule back to natwest with interest but natwest has wrote back 2 days later to tell me that on my account which was a Advantage Gold that they won't pay out on Debit interest,charges or advantage gold fee ???????????????
Could can one help

Kind regards
parrot

jellybugs

119parrot wrote: »

Hello there all!!!!!
Sent schedule back to natwest with interest but natwest has wrote back 2 days later to tell me that on my account which was a Advantage Gold that they won't pay out on Debit interest,charges or advantage gold fee ???????????????
Could can one help

Kind regards
parrot

You can claim on returned cheque/so's/dd's but not the monthly charge to hold an Advantage Gold account (of which I believe it £12). So your monthly 'account' charge - you need to take off £12. hope that helps

Jellybugs

System

119parrot wrote: »

Hello there all!!!!!
Sent schedule back to natwest with interest but natwest has wrote back 2 days later to tell me that on my account which was a Advantage Gold that they won't pay out on Debit interest,charges or advantage gold fee ???????????????
Could can one help

Kind regards
parrot

Hi parrot

You need to seperate and deduct your Advantage Gold fees from other charges. Most charges with NatWest are described simply, but AdGold fees are combined with unauthourised overdraft fees on your statement. They will be shown on your statement as follows:

CHARGES . . . 01JAN A/C 23456789 . . . £40.00

So, £28 of these charges are for an unauthourised overdraft and £12 is for AdGold. You must deduct the AdGold element.

There have been various fees for AdGold over the years, somewhere in this thread someone has listed what they are (if I find it i'll post a link to it!)

Hope this helps.

Regards
UNDERGROUND

darby_2

The advantage gold fees were as follows;

• From October 2002 The Advantage Gold fee was £6
• In September 2003 it was increased to £9
• In July 2005 it was increased to £10
• In June 2006 it was increased to £12.

Hope this helps

System

darby wrote: »

The advantage gold fees were as follows;

• From October 2002 The Advantage Gold fee was £6
• In September 2003 it was increased to £9
• In July 2005 it was increased to £10
• In June 2006 it was increased to £12.

Hope this helps

Thanks alot darby

UNDERGROUND

jks2301

hi all
hope i posted in the right place. i was wondering if anyone knows the answer to this please.
i had an o/draft with natwest which they requested i change to a loan with them in order to repay it. i agreed and all was fine untill i had problems due to a close family bereavment. the loan was paid each month by s/o which i was unable to cancel or ammend.hence charges went up and up and they refused lower payments for a time untill i was stable again.i was told it was all or nothing and if i wanted to reduce my payments on the loan i would have to wait till it got to the collection stage.what was i to do - one month almost half my tax credits went in charges causing me great difficultys that month not to mention the stress and worry. i opened a new account elsewhere to protect my income and waited.
i eventually heard from them and arranged a reduced repayment plan which i have stuck to.
if i am succesful in my claim for repayment of my bank charges can i ask for a cheque (i have only sent 1st letter as i had statements already) or can they keep it to pay off the loan account i have the repayment arrangment on
i would be very glad of any advice on this
thanks

esmerellda

Question - the original overdraft they got you to pay off with a loan - what proportion of that would have been made up of unlawful bank charges ?

And don't forget you can reclaim charges incurred on the loan too - late payment charges etc.

You are claiming to get in the position you would have been in had they not taken the charges...so if you can show it forced you to get the loan...then you should be able to get at least the interest paid on the loan back.