NatWest (merged)

Rex_Mundi

shell12 wrote:

Thank you very much - I'll wait for the AQ to arrive and will contact you then.

I'm filed a claim for £2700.

You will need to send £100 off with the AQ for this amount.

Ken.W_2

Rex, that's really heartening to hear.

Although they've acknowledged my claim, a defence hasn't dropped through my letterbox yet. They've got until the 6th to do that, so time feels like it's running very slowly for me at the moment.

Now I know that "if" that defence drops through in the mail .. I can ignore it and just wait for the AQ to arrive.

Feasibly, they've only got from Tuesday 2nd - Saturday 6th 00:01am to reply, so there may be a possibility that I might hear nothing (?)

Here's hoping things go smoothly for me.

smales_2

i need help i have hand deleried the letter to the bank on the day of your apperance on bbc in december but they have not responed yet i have put in a claim for £112 for charges ( it may not be a lot but for some one on benerfit it is a alot ) but been on benerfit i can not afford to pay the £250 for the court action as it said on the breakfast program what do i do please ? if they is any body can help please help and i have been charged another £38 on the 31.12.06 great new year with half of my benefit gone so can i claim that back as well.

symesd

Did not hear from Natwest ...

*1st Letter sent 08/12/06
*Letter Back from Natwest 13/12/06 - Looking into and will respond by 29/12/06
* A further letter from Natwest 20/12/06 - Passed onto their Specialist Team to be looked into, stating contact within 2 days
* Christmas & New Year passed - No responses

*** Called their Specialist team and was passed to their lending team, who then passed me through to their Debt Management Team, and back to their Specialist team once I actually spoke to someone who did actually listen to me, however, she was no use as her response was we are still looking into it and I would be contacted "in due course". When I asked if she thought 1 month was acceptable, she replied "We have had a unusually large number of this type of enquiry as as you would expect it is taking us longer to respond", I then asked if she thought is was acceptable to charge people forcing them to incur late charge, default notices and sometimes bankrupsy, she replied - "I am unable to comment on that".

With that I confirmed that she was not providing me with a refund and ended the call.

I am fuming - :mad:

Sending the next letter today, al be it a bit late, I too have been stalling as I am not sure If I can afford the court fees, I was naive to think the bank would realise the charges are unfair and to refund them.

---

A/C 1 - £2976.21
A/C 2 - £1071.00
Total - £4047.21 [Without Interest]

---

dj9928

I just filed a claim online, so what happens now and what time scale are we talking?

Ernest

"It's very important to use the banks registered address for the court claim....."

Hmmm.. Thought I was on top of this whole thing, so started a claim against the natwest branch, then read the above.

Phoned claim online who advised me to send in the claim again (by post), but with a request for a "court sealed address change" Was fairly standard, but will obviously delay the whole process.

Other than the delay, does anyone know of any other possible repercussions?

Thanks

Steve

ps. Still very confident (99.9%)

jillie1974

still not had a reply from natwest to am sending the letter tomoz to chase them. i have decide to ask for a smaller settlement as i cant afford to pay the fee for the small claims court, i have copied Martins template but have a query. In one paragraph it states that i am looking for payment within 14 days and at the end it syas i want a response within 7 days. should i leave it like that so they have 7 days to answer my letter and then 7 days to give me the money or is it 14 days in total for an anser and payment ie i have to wait upto 14 days to hear from thm?
if that makes sense!!

lonesouluk

hi guys!, help pls here's my situation, i've left the overdraft for quite sometime and it has risen up to 800 quid =/, i called up the bank and apparantly my account is now managed by the debt department, so i told them i would like to reclaim the overdraft charges, the guy told me there was no banking error in their side so i cannot reclaim the charges? and they said i should have contacted them earlier which i should have (tried to boycott):(

so now he said he have set up a repayment plan for 136 quid a month so i deem to agree with it, is there a way to reduce the ammount i shouldpay and get those charges back? this is kinda ridiculus when the balance only went up so high with the charges

thanks in advance

Rex_Mundi

It doesn't matter what the bank have told you (they want to keep your money). You can still reclaim your charges. Read Martins article, and follow the steps he has set out to reclaim these charges.

lonesouluk

thanks for your prompt reply rex, what is the address i shhould send the letter to? i dont see it in the guide. Using the template letter is sufficient enough to claim back the charges?


thanksin advance