NatWest (merged)

corazon116

Hi, i have received my second reply from Natwest.

I have followed the templates and sent letters requesting my charges back at the time were only £540 spread between my current plus account and my business account but since then i have recovered more statements and this total has since escalated to £1237.

They have both times sent refusal letters back basically saying they think their charges are fair and by no way breaking any laws and saying the "OFT didn't extend to include business banking facilities".

Please view these letters HERE and HERE

I would appreciate it if anyone could let me know if this is correct and to wipe these out of the case before i take court action and try to claim the charges for my current account or wether to just go ahead and put a claim in for both?

Thanks

Rex_Mundi

Don't worry. They are trying to put you off.

Have a look over at the forums on https://www.consumeractiongroup.co.uk they have more comprehensive section on claiming from business accounts. You can claim these charges, but sometimes there are slight differences in procedure. You will need to register to read the forums, but it is free like this site.

Ken.W_2

Hmmm .. I had an interesting letter from the Court today.

In regard to me bringing to the attention of the judge, Nat West asking me for details under CPR 18 Part 2; this is what the Courts have written back ..

<< Your letter dated 25 January 2007 has been placed before the District Judge who directs that he does not wish to comment >>

.. what's that all about then????

Rex .. guidence, please.

Rex_Mundi

Ken.W wrote:

<< Your letter dated 25 January 2007 has been placed before the District Judge who directs that he does not wish to comment >>

.. what's that all about then????

LOL.........The judge doesn't want to commit himself to anything. This isn't good or bad. Your letter is at least registered with your claim. If needs be, you can refer back to this at the hearing (unlikely you'll get that far). This response is nothing to worry about.

The worst thing that could of happened is that the judge could have asked for you to complete CPR 18. Although CPR 18 doesn't apply in small claims cases, under CPR 27.3, a judge can order for this to be completed. In your case this hasn't happened.

Just keep going as normal. You are well on track.

Ken.W_2

Rex_Mundi wrote:

Just keep going as normal. You are well on track.

*PHEW!!!* ...

Thankyou, Rex!:T

ShakerSonicBen

i really wish i could get my statements sooner lol.
only 33 days to wait.

Jenko2006

You should have them by the weekend mine took around 10 days

suedong

susplum wrote:

Thanks, there are no arrears on our loan and the money comes out of our account with them.

I probably wont risk re-claiming my charges then. I could never pay off the overdrafts if they closed it and I'd be in worse financial doo doo than I am now. I don't think my credit rating is good enough now for another bank to transfer my od's.

Sucks though... the cash would have helped!!!!

I am in a similar position and I am well into my claim, keep checking back and I will let you know the outcome, then you can decide if you want to take a chance.Hope to get a final reply in the next week or so.

Edinburghlass_2

susplum, I would certainly make a start in asking for your info/statements and once you have worked out how much you will be able to reclaim you can then think about which way you want to go.

Ernest

Hi,

Natwest have filed a defence, and we have submitted the AQ form.

Attatched to NW's defence is a request for further info and clarification.

Does anyone know what the next step for this is. It says that if I don't reply by the 5th Feb thay can request that the courts strike out the claim.

A list of charges that I am claiming was sent to the bank with the first 2 letters, but not to the courts.

Can anybody advise what the correct course is.

Thanks

Steve