NatWest (merged)

arism74

Nick44 wrote:

What did you put in your submission?
See initial threads here on what you can and can't claim for.

Unpaid cheque charges, unauthorised overdraft, late payment, the usual stuff...I copy from the letter they sent me below:

"Whilst many of our services are provided without a corresponding charge, we do make charges when customers, by their actions, request an increase to or the creation of an overdraft in excess of their previously agreed limit. By reviewing such requests we provide an additional service to customers, in many instances allowing items to be paid either by creating or increasing an overdraft. These charges can be avoided entirely by arranging suitable borrowing facilities in advance

For these reasons, we do not agree with the basis of your complaint. WE believe that the charges we levy are for providing services and that they are not penalties or charges for default. Furthermore we believe that these charges are fair, reasonable and transparent'

Then comes the 'however, as a goodwill gesture etc'. where they offer me £620 out of the £970 that I claim. I want to reply tomorrow with the letter before action, but I was wondering if and how I should respond to their claim that the charges are for 'services' as opposed to 'penalties' - anyone know what the implications of this is?

Ken.W_2

I know there are far more knowledgable people on this board than myself, but going from my experiences with them, I had a similar letter early in the process. They offered me £88 back then, so I was not amused.

I wrote the following ( .. amongst other things) and posted it off pronto: " .. I do NOT believe that these charges are fair, reasonable and transparent. I'll let the Court decide that."

Nick44

tb1 wrote:

Hi,

We stupidly throw away the last page of our statement..However last months bank statement has not been filed and it states...

The charge is based on an Advantage Gold subscription of £12.
Plus an Unarranged Borrowing Fee of £28.
Amount to be deducted £40.

So can I claim for the £28?

Hi, I have an Advantage Gold account. I think Nat West have the advantage, but that's another story........
I believe that you cannot claim for the subscription, this is something you agreed to. (I have not claimed for it) and also it is a "subscription" you get some goodies with an AG account (travel insurance etc.) Somewhere on this thread is a list of what can and can't be claimed, I think it is around thread 3 or 4.

arism74

Ken.W wrote:

I wrote the following ( .. amongst other things) and posted it off pronto: " .. I do NOT believe that these charges are fair, reasonable and transparent. I'll let the Court decide that."

Thanks Ken, that sounds good. I'm more curious about how I should respond to their claim that they charge for 'services' instead of 'penalties'. Any help anyone? Had anyone received anything like this from NatWest before?

Nick44

Ken.W wrote:

I know there are far more knowledgable people on this board than myself, but going from my experiences with them, I had a similar letter early in the process. They offered me £88 back then, so I was not amused.

I wrote the following ( .. amongst other things) and posted it off pronto: " .. I do NOT believe that these charges are fair, reasonable and transparent. I'll let the Court decide that."

Arism24
I think Ken is on the right wavelenght there. It's an attemp at Bull**ite to see if you are going to go away easily.

Ken.W_2

Thanks, Nick .. that's how I perceived it at the time too. They're just trying to justify themselves in your eyes .. don't believe the BS.

Nick44

arism74 wrote:

Thanks Ken, that sounds good. I'm more curious about how I should respond to their claim that they charge for 'services' instead of 'penalties'. Any help anyone? Had anyone received anything like this from NatWest before?

You could try asking them where the rate card for these "Services" is published in their T's & C's
Bet that'll go quiet!

Silverstar

Hi folks,

I received my copy of Cobbetts Allocation Questionnaire this morning, and in the Other Information box they have written:

"Case management directions cannot be proposed until the Claimant serves a Reply to the Request for Further Information which was due on 7 February 2007. In light of this, the Defendent may amend its Defence or apply to strike out".

I originally received a Part 18 request with a copy of Natwest's defence and my own Allocation Questionnaire. I replied to Cobbetts with the standard "I'm not answering this" letter, along with copies of my schedule of charges and all interest I was claiming etc. I also forwarded a copy of this to the court along with a letter stating that I believed it to be intimidatory tactics, as suggested on the Bank Action Group forum.

Have I done the right thing? I used standard template letters originally, so I'm sure all the information Cobbetts needed was in them originally, and they've had multiple copies of my schedule of charges. Should I just ride it out and wait for a court date, or would people suggest I pull together some more info and send it to Cobbetts? And if so, what?

Thanks for any advice.

Paulxo

Hi folks

Just to say make sure you all keep going!! :T :T

I've had a cheque through for £1500, (claim was originally £1100) and it cleared yesterday!

Just want to encourage you guys to be patient and hold your nerve! :cool:

:eek: NatWest aren't as scary as they claim :eek:

Good luck!!!

mishmash

Morning,
just got a letter from Mr Postie, got all excited as thought it may be an offer.

No such luck, they have acknowledged the claim and have said they intend to defend all of it.

Oh well must have been very wicked in a past life ( or maybe this one), looks like they are going to hold out on this one.

I have had further charges added since the court claim was filed, does any one know if I can add these at court or leave it.

Mish