NatWest (merged)

Rex_Mundi

mariejader wrote:

I accepted the £1904.00 and faxed it back, that's the problem they now want to pay less after offering and me accpeting

And they are saying the offer was a mistake, and have revised the offer. It's your choice whether you accept this lower offer now. Personally, I would continue for the full amount. In a claim against Natwest for someone, I refused offers of £264, £1300, and £1700 on the same claim. We continued the claim until the bank paid in full (over £3300).

mariejader

Thanks Rex so is this standard practise with them?

Rex_Mundi

mariejader wrote:

Thanks Rex so is this standard practise with them?

It seems standard practise for them to offer lower amounts first. Even if 5% of people settle early for a lower offer, they could save themselves a fortune.

suedong

suedong wrote:

Can some one assist, I have a Nat West Student/Graduate account and I am £1573 over drawn, they have charged me £1537 in bank charges in the past 3 years, if I get my charges back this would virtually clear my debt, I have read through the site and cant find many people who have been successful with Nat West, I am worried that they might close my account and demand the money I am over drawn if I start the claim, your general thoughts please. :rolleyes:

Please can someone give me some advice.

cmjohnson_86

suedong wrote:

Please can someone give me some advice.

Theres no harm in trying to claim them back, You have nothing to lose. Ive read through lots of posts on here and apparently natwest dont usually close accounts. Im sending my letter, Id advise you to do the same. Good luck

mrragamufin

:question:I am claiming £1,034 of charges, £96.14 interest and £120 small claims fee. I started this claim in November 2006. The natwest have refused to refund the charges so I started a small claim through money claim online. The Nat West acknowledged the claim, submitted a Defence and the claim has been transfered to a local court. The court allocation questionaire is costing £100 to submit.Can this be added to the claim ?
When I get to court I will need to prove that the charges are unfair and I am not sure I can do that.
They are also asking for further details about all the individual charges and to be honest I am starting to get lost in thier solicitors legal jargon "The claimant must plead and prove the Clause(s) persuant to which the charges were applied" and "that the contractual provisions persuant to which the charges have been applied are invalid persuant to unfair contract terms in consumer regulation 1999"

jas135

be reassured that this is procedure for most of the banks , no bank so far has actually attended the court and actually defended on the day . You will find that they will pay up the day before, or on the day of the hearing .
Stick to the script and the timelines of the letters and have a good read through these threads on this topic .

nickmack

jas135 wrote:

be reassured that this is procedure for most of the banks , no bank so far has actually attended the court and actually defended on the day . You will find that they will pay up the day before, or on the day of the hearing

It's not true that no bank has attended court. This has occured on a few occassions. A bank has actually won the case, but this is unlikely to happen again under the same circumstances. In the vast majority of cases, banks do pay up before the hearing date.

Ernest

suedong wrote:

Please can someone give me some advice.

Hi,

I am also claiming from Natwest and have not long submitted a court claim against them. They have not yet expressed their intent to defend, but I am assuming they will. My personal view is that Natwest have taken a large amount of cash from me and I want it back! I don't really care if they want to close down the account at the end. In total they have also taken a substantial amount of money from me in interest and various other charges for "services", so they did not need to rob me to make cash from me.

You're right in saying that they may close you're account, this is why you will need to open another account first.

I believe that you need to actually spend a few hours reading up on the subject and the threads on this site and you will feel as confident as I am.

I feel that it is great that this site is here and no matter what the outcome, I feel confident that I have everything I need to deal with every part of the process.

This is just my view.

Hope it helps

Steve

Paulxo

I am claiming £1,034 of charges, £96.14 interest and £120 small claims fee. I started this claim in November 2006. The natwest have refused to refund the charges so I started a small claim through money claim online. The Nat West acknowledged the claim, submitted a Defence and the claim has been transfered to a local court. The court allocation questionaire is costing £100 to submit.Can this be added to the claim ?
When I get to court I will need to prove that the charges are unfair and I am not sure I can do that.
They are also asking for further details about all the individual charges and to be honest I am starting to get lost in thier solicitors legal jargon

You shouldn't have to pay the extra £100 as it's for amounts above £1500 I believe. The legal jargon is pretty bad but I've discovered that the request for information doesn't apply to the small claims court, so all you have to do is return the court allocation questionnaire to the court. If you look through these pages, page 15 has a link for advice on that.

There's a load of advice on here, so stay cool and follow the procedures!

I'm personally waiting for Cobbetts's response now as I sent back the AQ yesterday and replied to them telling them I wouldn't be sending any info to them (see above post).

Good luck!