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NatWest (merged)

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  • PAWI69
    PAWI69 Posts: 279 Forumite
    frugalpam wrote: »
    Oh, it's an exquisite piece of technology - signatures scanned, and posted for the world to witness (and bank charge reclaimers to be able to print out)
    :rotfl:

    Pam

    Have you seen the post on the main reclaim thread (No4740) it's a classic! If not, I'll paste it on here.
  • frugalpam
    frugalpam Posts: 2,514 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    PAWI69 wrote: »
    Have you seen the post on the main reclaim thread (No4740) it's a classic! If not, I'll paste it on here.

    Couldn't find it.... can you post a link to it? Would love to read it :)

    Pam
  • PAWI69
    PAWI69 Posts: 279 Forumite
    Quote from SUFC, hope I'm ok to paste it on here, if not, sorry xx

    I was sent this on email. I think in the current climate we should all adopt this procedure. P*** the banks off even more!!!
    SENIOR MOMENT -

    A 98 year old woman wrote this to her bank. The bank manager thought it
    amusing enough to have it published in the Times.

    Dear Sir,

    I am writing to thank you for bouncing my cheque with which I endeavoured to
    pay my plumber last month.

    By my calculations, three 'nanoseconds' must have elapsed between his
    presenting the cheque and the arrival in my account of the funds needed to
    honour it. I refer, of course, to the automatic monthly deposit of my
    Pension, an arrangement which, I admit, has been in place for only eight
    years. You are to be commended for seizing that brief window of opportunity,
    and also for debiting my account £30 by way of penalty for the inconvenience
    caused to your bank.

    My thankfulness springs from the manner in which this incident has caused me
    to rethink my errant financial ways. I noticed that whereas I personally
    attend to your telephone calls and letters, when I try to contact you, I am
    confronted by the impersonal, overcharging, pre-recorded, faceless entity
    which your bank has become.

    From now on, I, like you, choose only to deal with a flesh-and-blood person.
    My mortgage and loan payments will therefore and hereafter no longer be
    automatic, but will arrive at your bank by cheque, addressed personally and
    confidentially to an employee at your bank whom you must nominate.

    Be aware that it is an offence under the Postal Act for any other person to
    open such an envelope. Please find attached an Application Contact Status
    which I require your chosen employee to complete.

    I am sorry it runs to eight pages, but in order that I know as much about
    him or her as your bank knows about me, there is no alternative.

    Please note that all copies of his or her medical history must be
    countersigned by a Solicitor, and the mandatory details of his/ her
    financial situation (income, debts, assets and liabilities) must be
    accompanied by documented proof.

    In due course, I will issue your employee with a PIN number which he/she
    must quote in dealings with me.

    I regret that it cannot be shorter than 28 digits but, again, I have
    modelled it on the number of button presses required of me to access my
    account balance on your phone bank service. As they say, imitation is the
    sincerest form of flattery.

    Let me level the playing field even further. When you call me, press buttons
    as follows:

    1-- To make an appointment to see me.
    2-- To query a missing payment.
    3-- To transfer the call to my living room in case I am there.
    4-- To transfer the call to my bedroom in case I am sleeping.
    5-- To transfer the call to my toilet in case I am attending to nature.
    6-- To transfer the call to my mobile phone if I am not at home.
    7-- To leave a message on my computer (a password to access my computer is
    required. A password will be communicated to you at a later date to the
    Authorized Contact.)
    8-- To return to the main menu and to listen to options 1 through 8
    9-- To make a general complaint or inquiry, the contact will then be put on
    hold, pending the attention of my automated answering service. While this
    may, on occasion, involve a lengthy wait, uplifting music will play for the
    duration of the call.

    Regrettably, but again following your example, I must also levy an
    establishment fee to cover the setting up of this new arrangement.

    May I wish you a happy, if ever so slightly less prosperous, New Year.

    Your Humble Client


    Made me laugh :rotfl:
  • frugalpam
    frugalpam Posts: 2,514 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    PAWI69 wrote: »
    Quote from SUFC, hope I'm ok to paste it on here, if not, sorry xx

    I was sent this on email. I think in the current climate we should all adopt this procedure. P*** the banks off even more!!!
    SENIOR MOMENT -

    A 98 year old woman wrote this to her bank. The bank manager thought it
    amusing enough to have it published in the Times.

    Dear Sir,

    I am writing to thank you for bouncing my cheque with which I endeavoured to
    pay my plumber last month.......

    Made me laugh :rotfl:

    Oh that's a hoot !!!! Thanks for posting that :rotfl: :rotfl: :rotfl: :rotfl:
  • PAWI69
    PAWI69 Posts: 279 Forumite
    frugalpam wrote: »
    Oh that's a hoot !!!! Thanks for posting that :rotfl: :rotfl: :rotfl: :rotfl:


    Thanks to SUFC for it, isn't it brilliant! :T Martin should put it somewhere for all to see :j .....the 98 year old lady's letter I mean :o:o
  • I have been on Natwest's case and just recieved this letter from them, one for each account i have with them.


    Dear Mr & Mrs

    Thank You for your recent correspondence. I am sorry that you have concerns regarding the charges that have been applied to your account.

    We explain all of our terms & conditions including our fees and charges at account opening and they form the basis of your agreement with us. Full details are availble at any time on our website and in our branches, and updates are sent out regulary to our customers. For your convenience, i am enclosing our current t&c's (including fees and charges) that apply to your account.

    Natwest for a number of years has provided many every day banking services to customers for free of charge when accounts are in credit ....blah blah blah blah

    Whilst many of our services are provided without a corresponding charge, we do make charges when customers, by there actions, request an increase to or the creation of an overdraftin excess of there previously agreed limit. again blah blah blah blah....

    For these reason, WE DO NOT AGREE WITH THE BASIS OF YOUR COMPLAINT. We believe that the charges we levy are for providing services and that they are not penalties or charges for default. Furthermore we believe that these charges are fair, reasonable and transparent.

    page 2 .. this is when i jump for joy...


    However, having reviewed your case and as a gesture of goodwill and WITHOUT ADDMISSION of liabilty or error, in this instance we are prepared to offer the amount of £3,151.00 paid direct into your account.

    (YIPPIEEEEEEEEEEEE, POWER TO THE PEOPLE ) :j :j :j :beer: :D:D

    The letter carries on, all a load of twads wallop really, all i have to do know is sign and money will be in account !

    I did include intrest in my original claim, but now i have an offer on the table , im thinking hard about accepting it, i also have another account with natwest, the same thing there.

    This took about 6 weeks from the date i sent in a request for my statements.
  • frugalpam
    frugalpam Posts: 2,514 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hammer_Sam wrote: »
    I did include intrest in my original claim, but now i have an offer on the table , im thinking hard about accepting it, i also have another account with natwest, the same thing there.

    This took about 6 weeks from the date i sent in a request for my statements.

    Well done - great result! :beer:
    If the £3,151.00 is the total amount of charges you reclaimed, then I'd accept it - you'd only get awarded the interest if you'd claimed through the County Court.
    If they've only offered a partial refund of fees - go after them for the rest!!

    Pam
  • PAWI69
    PAWI69 Posts: 279 Forumite
    Hammer_Sam wrote: »
    I have been on Natwest's case and just recieved this letter from them, one for each account i have with them.



    page 2 .. this is when i jump for joy...


    However, having reviewed your case and as a gesture of goodwill and WITHOUT ADDMISSION of liabilty or error, in this instance we are prepared to offer the amount of £3,151.00 paid direct into your account.

    (YIPPIEEEEEEEEEEEE, POWER TO THE PEOPLE ) :j :j :j :beer: :D:D

    The letter carries on, all a load of twads wallop really, all i have to do know is sign and money will be in account !

    I did include intrest in my original claim, but now i have an offer on the table , im thinking hard about accepting it, i also have another account with natwest, the same thing there.

    This took about 6 weeks from the date i sent in a request for my statements.


    Yayyy :T fantastic, congratulations!

    BEFORE YOU SIGN READ THIS QUOTE FROM NICKMACK:

    "Q.... The bank have offered me part or all of my claim but have said I must sign a confidentiality clause, what shall I do?

    A.... If you do sign the letter, you must honour the clause. Many people have just crossed out this clause and returned the letter, the banks have still payed up. Generally, they are not in a position to make demands like this".


    Just a thought as you want to claim on an other account ;)

    Well done :money:
  • PAWI69 wrote: »
    Yayyy :T fantastic, congratulations!

    BEFORE YOU SIGN READ THIS QUOTE FROM NICKMACK:

    "Q.... The bank have offered me part or all of my claim but have said I must sign a confidentiality clause, what shall I do?

    A.... If you do sign the letter, you must honour the clause. Many people have just crossed out this clause and returned the letter, the banks have still payed up. Generally, they are not in a position to make demands like this".


    Just a thought as you want to claim on an other account ;)

    Well done :money:

    No there's no confidentiality clause, all they asking me to do is sign and accept what they are offering me, which is the full amount of charges minus the interest.
  • PAWI69
    PAWI69 Posts: 279 Forumite
    Hammer_Sam wrote: »
    No there's no confidentiality clause, all they asking me to do is sign and accept what they are offering me, which is the full amount of charges minus the interest.

    WOW even better, really happy for you :beer: Hope ours takes as little time as yours did! :rotfl:
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