Reclaim Unfair Bank Charges Discussion Area

cozza

I have just been charged £35 for being not 8 hrs over drawn for £4-99 when its there fault i become over drawn as they took there prev over drawn charge out but then payed it back the next day which in theary made me overdrawn for the £4-99 to come out :mad:
I rang them this morning to ask for my money back they said no as they have give me back 4 other payments they took out .
they said that they cannot refund any more as i have had 4 allready so i said if u dont give me back my £35 i will take u to court and claim the £35 they just charged me £35 for the 20 min phone call i just made & £35 for the letter i am going to write to the if they can charge made up prices for sending a letter i can do the same as well ?
do u think i stand a chance ove getting £35 for the phone call i did
as i am getting wftc &ctc if i do take then to my local small claims court i dont have to pay :T so i will let ya know how i get on

m123_2

Good morning all,

I am currently trying to recover the charges from Natwest going back 6 years.

I wrote initially and they offered 40% of the amount claimed. I have written a number of times since and telephone called, then faxed at their request copies of coorospondance (which has mainly been mine as except for the initial offer, have not returned any letters)

As a last resort i completed the online court application as suggested and they have indicated they intend to defend and have entered their solicitors details.

What is best to do now, do i just wait for their defence to be provided?

Thanks for your advice.

:eek:

PAWI69

Twinkly wrote: »

Its a bit odd that you havent heard anything at all. I'd give them a quick phonecall to see if there are records of the letters being received. This is where sending letters recorded delivery would have given you peace of mind.

Morning Twinkly, just a quick question......

Is delivering my 1st claim letter to my local branch by hand just as good as sending it recorded delivery as I definitely know they got it.

moneysufferer

hi , i just had an offer from Natwest of £4047.00 in full settlement. but they are telling me it has to go towards a loan which i defaulted on in both mine and my ex-wifes name after all these charges were applied. Can the bank do this.. is this the only way i can get my cash back. Any advice would be very greatfully received.

Togs_2

Hi I am a new member of the site and am currently trying to get my money back form the Nat West I have requested my bank statments which cam back very quickly. I then sent back letter 2 along with all the revant details and they had upto the 27th of March to respond however today (24th March) I recieved a letter stating

"I am sorry thar we have not yet been able to respond to you and would ask that you bear with us in the meantime. We are currently investigating and will respond to you within 21 days"

can anyone give me advise as to whether I should accept this and wait the 21 days or push on with letter 3.

Thanks in advance

SUFC

Togs wrote: »

Hi I am a new member of the site and am currently trying to get my money back form the Nat West I have requested my bank statments which cam back very quickly. I then sent back letter 2 along with all the revant details and they had upto the 27th of March to respond however today (24th March) I recieved a letter stating

"I am sorry thar we have not yet been able to respond to you and would ask that you bear with us in the meantime. We are currently investigating and will respond to you within 21 days"

can anyone give me advise as to whether I should accept this and wait the 21 days or push on with letter 3.

Thanks in advance

Hi, no stick to the timescales mentioned on the templates on here. I claimed from natwest & they were pretty quick after i sent the letter threatening court action. Paid up full amount i asked for less interest which is fair enough, money was in account within 2 days of me sending acceptance form back, no problems. Good luck.

dj9928

Talk about thread Hi-Jacking

kayla

hi the letter i sent was off another website and states at the bottom of my letter to refund my charges into my account within the next 7 days. would it not be easier to phone them. im worried they are going to tell me that they have to follow certain procedures and their policies.

steviebee_2

just spoke to hbos about statements, if you speak to them they will send a letter to their complaints dept. and you will definately recieve some sort of offer!! it also cuts out the looking through all your charges part as they are doing this for you. they will also contact you within 5 working days of the letter that they are sending for you!! hbos told me that they will offer within 2 weeks of phone call!! get dialing!! and good luck

cloth_ears_2

kayla wrote: »

hi the letter i sent was off another website and states at the bottom of my letter to refund my charges into my account within the next 7 days. would it not be easier to phone them. im worried they are going to tell me that they have to follow certain procedures and their policies.

hi there,

phone them if you feel okay doing this but confirm anything said in writing and get the name of person you speak to.
The advice on this site is always to stick to your own timetable not theirs.
Read through other posts and success stories and you will feel more confident about continuing your claim.
My opinion is they will just keep dragging things on/delaying if they can.