NatWest (merged)

PAWI69

djrenegade wrote: »

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?

Same happened to me, I rang again less than a week later & they had my account on the screen & gave me a reference number along with a verbal offer of the full amount claimed, didn't hold my breath.....good job as I haven't heard a thing I rang 0800 0154212 & spoke to a nice advisor), I suppose it's "who you get"....if "he's had a row with his wife" OR if "she's at that time of the month" you've got no chance

MyHatredForNatWestGrows

At the point where I sent off the first letter I put all charges up to that point. It took them 3 weeks or so to settle and like banks do they took charges out 28 days later related to my account status at that time.

That then sent me overdrawn and so other charges were then incured and items bounced that would of cleared if the charges hadnt come out and the cycle begins again.

They actually charged me twice for a cheque that they bounced even though there was money in my account - the next day they took another charge out for being overdrawn because they had charged me 2 unpaid cheque fees, to me it seems like they are trying to recoup the money back.

At the point when I sent the original letter I had money in my account to pay all my bills and was looking to start a fresh - i didnt antisipate once they had paid the £700+ to receive charges relating to the ones they had refunded.

PLEASE LET ME KNOW IF ANYONE HAS BEEN IN THIS SITUATION AND HAD A SECOND REFUND

craigyoungw

ask a member of staff to ask the manager

thats really bad practice on the managers part not seeing you

irishgirls1

Just wanted to say that they have finally, after 3 hours of phone calls, credited our account today with £3131.00 - hooray!!!!


Thanks to everyone who gave advice!!

baggies1

Hi,
i have had an offer of settlement from my bank.
I made a claim for 2'500 but they have offered only 1351.28
Oddly my initial letter to the bank asked for this amount.(1351.28)
When i filed the court order i "correctly calculated" that the bank owed me 1800. (2'500 with interest and moneyclaim fee).

If i go to court to try and get the lot(or nearer) will the court hold my intial figures against me?
Also £28 of my claim fall on dates in Feb/Apr 2001. (outside the 6yr period). Will this affect the greater claim? (or just be 28 less).

Also the bank has said that if i dont respond within 8 weeks to their letter that they will assume the matter closed (FSA guidelines). If i want to continue the court action do i leave that to continue? (assumedly regardless of what banks says?).

Also they have said to contact them on the basis that i wanted to discuss the offer. Is it worth me calling them to say that i may settle at a higher figure? (i had hoped to settle for around 2000 if out of court).

Any help on those questions would be great thanks...
(sorry for all the "Also's")
regards

Baggies1

Teacher2301

Tozer wrote: »

Right approach Lisa.

Its funny as in theory you could seek a winding up order of the bank. But that wouldn't help you either!

thanks Tozer - in a strange kind of way- wouldn't we all like that to happen - just a little bit

good advice given - thanks once again...:T

ripski

Q How much do I come it with up front if using Money online
Q I am away for much of May and so if I start my claim on Monday !!16/04/07}as planned --is there a danger of not completing my bits and responses in time scales and therefore get my claim thrwon out by the Court?
Any advice please.

Twinkly

baggies1 wrote: »

Hi,
i have had an offer of settlement from my bank.
I made a claim for 2'500 but they have offered only 1351.28
Oddly my initial letter to the bank asked for this amount.(1351.28)
When i filed the court order i "correctly calculated" that the bank owed me 1800. (2'500 with interest and moneyclaim fee).

If i go to court to try and get the lot(or nearer) will the court hold my intial figures against me?
Also £28 of my claim fall on dates in Feb/Apr 2001. (outside the 6yr period). Will this affect the greater claim? (or just be 28 less).

Also the bank has said that if i dont respond within 8 weeks to their letter that they will assume the matter closed (FSA guidelines). If i want to continue the court action do i leave that to continue? (assumedly regardless of what banks says?).

Also they have said to contact them on the basis that i wanted to discuss the offer. Is it worth me calling them to say that i may settle at a higher figure? (i had hoped to settle for around 2000 if out of court).

Any help on those questions would be great thanks...
(sorry for all the "Also's")
regards

Baggies1

If you have already filed at court before they made this offer then you do not have to accept and can continue on at court for the interest & costs now. The £28 can be claimed byt you need to use Section 32 of the Statute of Limitations Act to counter any defence they have for not paying this.

Section 5 of the Act is what the banks tend to rely on in defence. Section 5 of the Limitation Act states that the action must be brought within 6 years of the cause of action, ie. when the charge was made. You would be just out of the 6 year usual limitation for some of your claim but using section 32 (c) to counterclaim and state :

(1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either-
(a) the action is based upon the fraud of the defendant; or
(b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or
(c) the action is for relief from the consequences of a mistake;
the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. ....

It is a bit harsh to state the bank has committed fraud and a little more generous to imply it made a mistake

Good luck

blackangeluk

After sending a letter asking for a refund of bank charges in sum of £907, I have been told over the phone that there are offer letters on the way to me making full settlement. My problem is what do I do now, do I wait or send my 14 day LBA?

They said the letters take 2 -3 weeks, but not sure if this is a delaying tactic or I have in fact won?

Thanks in advance

PAWI69

blackangeluk wrote: »

After sending a letter asking for a refund of bank charges in sum of £907, I have been told over the phone that there are offer letters on the way to me making full settlement. My problem is what do I do now, do I wait or send my 14 day LBA?

They said the letters take 2 -3 weeks, but not sure if this is a delaying tactic or I have in fact won?

Thanks in advance

It's really easy to get excited after getting a verbal offer & being told the letter will be with you in X amount of weeks, I've been there. But Martin says "Remember. In the letters, YOU set the timetable, so stick to YOUR timetable and don't allow the bank to dictate."

I'm due to file with MCOL but I'm in 2 minds wether or not to give them extra time because of the Easter holidays, on the other hand, bear this in mind what others have said......."the banks didn't hestate to apply the charges even with people pleading with them & putting them in a financial mess".

Only you can decide when or what to do, good luck & let us know what happens