NatWest (merged)

frugalpam

PeteW wrote: »

Hello, I'm organising a claim for a friend (who is with NatWest), i've gone through his statements, and there are lots of charges, but they don't say what the charges are for, and as such, I'm not entirely sure which I can claim.

For example I have spotted the following types of charges:

UNPAID ITEM(S)
REFERRAL CHARGE
CARD MISUSE

But the vast majority just have the date and then the account number with no further information.

Can all of these be claimed? I'm not sure which are 'penalty charges' and which are just normal account charges

Thanks

Hi - this is what can/can't be claimed:-

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.
Normal overdraft interest charges


Pam<O:p</O:p

frugalpam

Leaf wrote: »

There is an issue regarding whether we have been charged for Advantage when we never really had that type of account. So some of earlier charges have been made for this which I did not include in my original claim......
Leaf

Hi - I discovered Nastywest had upgraded my account to Advantage Gold without my permission, costing me £12 a month. If you watched 'Whistleblowers' last week, you'd have seen that this sort of thing happened to Barclays customers. I got on to them and demanded they refund my charges - which they did, pronto. I've a complaint going through the channels at the moment about it. PM me if you want more details.
If your account was upgraded and you never agreed to it, I'd ring up the Care Team (what an ironic choice of name ) and get those charges refunded immediately, separately from your charges claim.

Pam

PAWI69

frugalpam wrote: »

Hi - I discovered Nastywest had upgraded my account to Advantage Gold without my permission, costing me £12 a month. If you watched 'Whistleblowers' last week, you'd have seen that this sort of thing happened to Barclays customers. I got on to them and demanded they refund my charges - which they did, pronto. I've a complaint going through the channels at the moment about it. PM me if you want more details.
If your account was upgraded and you never agreed to it, I'd ring up the Care Team (what an ironic choice of name ) and get those charges refunded immediately, separately from your charges claim.

Pam

Hmmmm...I have a regular charge of £28 at the end on each month on my statements (this is where I think I have made a mistake as I included these on my list & sent it to my bank), I'm wondering if it's advantage gold charges, even though I haven't got an advantage gold account

it says: charges 30NOV A/C ******** £28.00 so on & so on going back every month but with different dates (e.g. the one previous to this is 29OCT A/C ********).

Just thought I'd let you know that they charged me £35.00 for going over my overdraft by 9 pence!!!! :mad: They didn't even honour the 9 pence, they bounced the payment!

frugalpam

PAWI69 wrote: »

Hmmmm...I have a regular charge of £28 at the end on each month on my statements (this is where I think I have made a mistake as I included these on my list & sent it to my bank), I'm wondering if it's advantage gold charges, even though I haven't got an advantage gold account

it says: charges 03NOV A/C ******** £28.00 so on & so on going back every month but with different dates (e.g. the one pervious to this is 29NOV A/C ********).

Just thought I'd let you know that they charged me £35.00 for going over my overdraft by 9 pence!!!! :mad: They didn't even honour the 9 pence, they bounced the payment!

Does sound like those could be account charges - maybe for something you never agreed to, like me! I'd def. check that out with them !!

Pam

System

PAWI69 wrote: »

Hmmmm...I have a regular charge of £28 at the end on each month on my statements (this is where I think I have made a mistake as I included these on my list & sent it to my bank), I'm wondering if it's advantage gold charges, even though I haven't got an advantage gold account

it says: charges 03NOV A/C ******** £28.00 so on & so on going back every month but with different dates (e.g. the one pervious to this is 29NOV A/C ********).

Just thought I'd let you know that they charged me £35.00 for going over my overdraft by 9 pence!!!! :mad: They didn't even honour the 9 pence, they bounced the payment!

This fee is not for Advantage Gold, it is the fee for an unauthourised overdraft / borrowing, which you should claim with your other charges.

If you had an Advantage Gold Account a) it would say so on your statement and b) the fee you describe would be £40, i.e. £12 for AdGold (at current rate) and £28 for unauth O/D.

Hope this helps.

Regards
UNDERGROUND

PAWI69

UNDERGROUND wrote: »

This fee is not for Advantage Gold, it is the fee for an unauthourised overdraft / borrowing, which you should claim with your other charges.

If you had an Advantage Gold Account a) it would say so on your statement and b) the fee you describe would be £40, i.e. £12 for AdGold (at current rate) and £28 for unauth O/D.

Hope this helps.

Regards
UNDERGROUND

Ahhh gotcha, it IS written across the top of my statements in 2002/3 when I had an AG Account Thank you for putting my mind at rest, looks like I did the charges correctly after all.

frugalpam

PAWI69 wrote: »

Ahhh gotcha, it IS written across the top of my statements in 2002/3 when I had an AG Account Thank you for putting my mind at rest, looks like I did the charges correctly after all.

Aaaahhhh.... glad that's sorted out. Thanks, underground, for clearing that one up!

Pam

PAWI69

frugalpam wrote: »

Aaaahhhh.... glad that's sorted out. Thanks, underground, for clearing that one up!

Pam

Sounds like you are as relieved as I am Pam :j (although thinking about it, I may have to go back & check the charges from when I actually DID have the AG Account, too tired to do it tonight). Have you sent your 2nd letter off yet? or were you doing that on Monday?

frugalpam

PAWI69 wrote: »

Sounds like you are as relieved as I am Pam :j (although thinking about it, I may have to go back & check the charges from when I actually DID have the AG Account, too tired to do it tonight). Have you sent your 2nd letter off yet? or were you doing that on Monday?

Was going to send it Monday but couldn't wait... sent it yesterday - thought it might make a nice start to their Monday morning
Wonder when or if we'll hear anything? I don't fancy having to go through the MCOL thing (I'm lazy) but then again, it's all set out for us, so we can talk each other through it!

Pam

PAWI69

frugalpam wrote: »

Was going to send it Monday but couldn't wait... sent it yesterday - thought it might make a nice start to their Monday morning
Wonder when or if we'll hear anything? I don't fancy having to go through the MCOL thing (I'm lazy) but then again, it's all set out for us, so we can talk each other through it!

Pam

I know what you mean, it's a daunting thought this MCOL thing, I'd rather avoid it if I can due to funds (or the lack of them) at the moment, I've got a lot to pay out, but if it means having to struggle like I have in the past then so be it, hopefully it'll work out in the end.

I've got a funny feeling we are both going to post "seen the signature online at Royal Mail" tomorrow :j hehehe