NatWest (merged)

Edinburghlass_2

annie123 wrote:

Hi my son sent off the first letter requesting charges etc by recorded delivery on the 2nd January, encloseing a cheque for £10 from my account to cover the costs.
He is now over his OD limit due to their 'interest charges' making him 67p over for 3 days,so they added £30!!!!!

My cheque hasn't been cashed yet, should it have been?
Reading the other posts no one seems to wait long to get the charges list.

How long should we wait and will it be a problem as the cheque comes from my account?

Thanks in advance

They have 40 days from when you sent the request to send you the information required. It won't matter who wrote the cheque and they may well end it back and that might be why it hasn't been cashed.

jimmyay

pigginsexy wrote:

Received standard letter to say that they are looking into the charges before they respond fully to my request for a refund.

Do they still have to do this within the 14 days (which was 3rd Jan when i sent letter) or are they stalling for more time....

Help would be gratefully appreciated.

a 14 day letter is a 14 day letter is a 14 day letter. you have given them a deadline which is a reasonable one .

they seem to have sent an awful lot of the same standard letter out on the same day. fortunatatly they had my letter longer than 14 days before they bothered with the holding letter . so off to court i go. :rotfl:

pigginsexy

Thanks Jimmyay. 2nd letter off tomorrow then. I had better get typing.

Good luck with your claim.

Jenko2006

Hi

Just had a letter from natwest saying the charges are correct and no offer of a refund , it took them nearly a month to reply so its off to court with them


Wish me luck :rolleyes2

Stinky_2

I know its a little off the wall - but what if you work for the bank you're trying to claim over £1000 back in charges on 3 different accounts since 2002? Too risky???
Dont see why I should be treated any differently, I work just as hard for my dough!

Ken.W_2

jimmyay wrote:

Natwest have just acknowledged my claim, they now bought another 14 days time. boring!

:mad:

Maddening, isn't it?

By the time the 13th day arrives, You'll notice that you can't go any furthur with your online claim ( .. just when you thought you were going to win by default, as the NW haven't sent in their defence to you yet)

You'll probably get their defence ( .. from Cobbetts) sent to you just after the 14th day, then you'll have to wait for the court to send you an AQ ( .. allocation questionaire).

After that, you'll get a date for the trial; which you'll not have to attend as the NW will have paid up by then.

Long .. drawn out .. designed to wear you down, but ultimately rewarding

weightgain

hi ya all. Long time lurker, so apoligies for questions in my first post.
I've calculated NW owing me £931 in bank charges. HOWEVER two questions remain unanswered for me ;

1. Intially I had a large overdraft on my account - this after 2 years was reduced down to £100 but each month intially I was charged almost £15-£20 interest. Is this claimable or not ??

2. This probably doesn't matter, but sometimes the date of the charge is different from when it was debited from my account. Does it matter what date I put down on my list I'm sending to the bank ??

Any advice gratefully appreciated.

Many thanks

tasty_snacks

Stinky wrote:

I know its a little off the wall - but what if you work for the bank you're trying to claim over £1000 back in charges on 3 different accounts since 2002? Too risky???
Dont see why I should be treated any differently, I work just as hard for my dough!

i'm doing this at the moment with natwest. got statements through yesterday, 2nd letter's going out tomorrow. i'll keep you posted.

Paulxo

1. No. Sounds like normal overdraft interest, albeit pretty hefty.

2. This may be because one date is for the 'offence' and one date for the charge taken from your account. Put the date it was taken.

NW are still making me sweat it out. Sent AQ back over a week ago and replied to Cobbetts telling them I thought they were intimidating me, but included another schedule of charges.

Will let you know.

pigginsexy

Hi, I am about to send my 2nd letter (7 day one) and am using the template on here. However, does anyone know what to put in the space for

"This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [INSERT NAME OF COURT] court will rule in my favour. "

Also in the first paragraph of the letter, do you put the amount in with interest, as i sent the first letter with interest....

"I refer to default charges applied to my account amounting to £2137.13, which I have requested you pay back. "

or is it the amount of charges.

Any help would be much appreciated.

Thanks

Han