NatWest (merged)

djrenegade_2

finally, after 45 mins on hold, got through...

the fella wouldnt even check my account, just asked when i sent the letters and then said ahh well we have got a back log and our system is down so ring back in about a week or so and we can check then...

how rude, any advice?

nickmack

MyHatredForNatWestGrows wrote: »

Has anybody else had these problems after receiving charges back or can anyone advise me if I have any claim on these new charges?

If I had been stupid and built new charges off my own back then I would not care but they have 'accepted that the charges originally were unlawful' by refunding them - so surely any relating to them should be classed nul and void?

When you were successful in your first claim, I very much doubt that the bank 'accepted that the charges originally were unlawful' . They probably paid a gesture of good will. You would have to bring another claim to recover this money.

You can claim again, but as maniac886 says, the chances of them closing your account are much higher now. If they do this, you can make a complaint to the bank. After you have exhausted the banks internal procedure, they will refer you to the Financial Ombudsman. They have previously ruled that account closure in these circumstances is 'retaliatory' and 'punitive'. They may request compensation is paid to you, but it's unlikely the account will be reopened.

craigyoungw

if you have never bounced a cheque before then you accidentally bounce a cheque and you recieve the extortionate £38 charge

simply go into your branch and ask about the charge and if the manager chooses to they can refund the charge as they did for me

note they will only do this for your first bounced cheque

this worked for me

if anyone tries it your feedback will be appreciated

Smickan

blackangeluk wrote: »

Hi there, I am joining the fight against Fatwest too!!

I have sent them a letter notifying them of the charges I wish to be refunded and on the 14th day there is no reply. I trust I now do the Letter Before Action and on the 15th day can start court proceedings?

My question is, they have kindly today sent me notice of charges of £28 due to a whole whacking 10p being overdrawn. Can I just add this to whatever I requested in my previous letter?

Thanks in advance.

:mad:

You can, yes That's what I did.

ripski

I am also taking on Nat west .I recieved my statements after approx 30 days but have had have had no response to any letters since =followed templates and procedures. Not even ,as you got, we have a backlog. Perhapsthey should have invested in more staff instead of saving on this by call centres, and pocketing the savings as profit
I sent them a final warning letter this week asking for an offer /response within 48 hrs prior to issuing So on Monday I shall issue. I am a bit concerned that their defense might be 'they know nothing' butI don't see the point of waiting longer I think , but am not sure , that the worse scenario will be the judge giving them longer fora defence , rather than throw my claim out or dismissit .It appears to me that this may happen anyway as a tactic is the court giving the banks longer to try and be even fairier. There seems to be a lot of messages on this site re delaying tactics The banks never give us an extra week /month etc to pay they just 'bounce' a DD or cheque and charge.
Any experience advice out there re the way that I am approaching this I have kept copies of everything ,though have not sent recorded.

blackangeluk

Further to my post this afternoon, I called the bank and thought I would try and get my £28 refunded without the hassle of adding it to my claim. They referred me to customers services who advised me that they are offering full settlement of my claim after my letter, I just need to accept the offer when it is sent!!!

Think I will write separately for the £28 as a separate claim so as not to delay matters.

Should I hang fire for the 2 weeks they think it will take for letters of offers to reach me or proceed with LBA?

:rotfl: :T

michael1983l

why exactly did they recharge you, it doesnt seem to clear to me.

blackangeluk

Have you rung them on their customer service line? I was told to and they said that offer letters were being sent. Just a thought??

Leebcoward

My manager wouldnt see me!

michael1983l

Tozer wrote: »

OK, first of all can we show a bit of politeness?

By applying default charges in the first place, you have defaulted under your agreement with the bank. The bank applies a charge by way of liquidated and ascertained damages for the breach.

Have a look at some of the posts on here - banks record if you have exceeded overdrafts, missed payments, etc. So it is not "bollox" but fact.

Sending in the bailiffs is totally unnecessary. The bank will not want an unsatisfied judgment recorded and will pay up. Why go the hard way when the easy way will work just as well????

them defaults will already be on your credit file, how is sending in the bayliffs going to give you adverse credit. please explain in detail as i am struggling to see any legitimate reason for adding adverse credit that doesnt brake the banking code in these circumstances.