Refund king here to help!

Ronnygill

Brand new on the forum although been using the site a while. Seeing as I just posted to ask advice, I thought I could maybe share some of mine.

I am really really good at getting refunds and compensation. I sometimes think I should train as a lawyer and get into it professionally! It's a shame that so many services are so poor that I should have to but that's another matter.

Over the last year, I have claimed back way over £1000 from companies who have razzed me off with their shoddy services and advice. Here are a few I can think, of:

£300 from halifax very recently, as they somehow managed to change my address during a credit card application, which meant the card (and other post) went to the wrong address. They were terrified of further action after jeopardising my security so that was quite easy.

£70 from Natwest mortgages the other day, as I was told that the mortgage on my first house would start being paid in April, but later found out it starts in March. Based on this first advice, i made commitments that a March start would have made difficult.

Second valuation fee of £328 waived on second property I wantto buy. Due to some very rude advisors and further wrong advice, they waived the fee as a gesture of goodwill.

I charged my energy company two administration charged of £15 eacha few months back because they tried to take a direct debit after I paid early with a credit card. I called specifically to ask if this would happen before I paid by cc and was misadvised, resulting in bounced direct debit charges from my bank, which they also paid. I liked that one as normally its customers who get charged admin fees and I was almost having a laugh when I wrote the letter but it worked!

Plenty more of that sort of thing but the point is that the moment a company costs you time or money when it offers poor advice and you take that advice, you should be demanding refunds but also further compensation.

I am happy to dish out advice to anyone with specific scenarios!

Ronnygill

May I add that some of my skills are because I have worked on the phones for years so know exactly what it's like from the other side. I am very polite but I also know which buttons to press!

kellylivesey

I have been with Natwest since 1994. 3 years ago I got a full refund for all PPI I had paid on loans dating back to 1993. They sent me all my statements. But recently I rang them to ask to send me all my statements as I wanted to claim back all unfair charges which mainly dated from 1994-2002. They are now saying that they only have 2002-2015 statements available and I cannot claim anything. I find it very suspect that the statements im after no long exist cause I know for a fact there were lots of charges. Any help would be much appreciated

Regards


kel

meer53

The banks won the court case against "unfair charges" back in 2009. Unless you are currently in financial hardship then you are out of luck. If you can prove that you are currently in financial hardship, contact Natwest to ask them to refund any recent charges. If you have any spending on your account which is not deemed essential ie. Sky, Mobile Contracts, eating out, Gym Memberships etc, then expect to be told that the computer says no. For recent charges don't expect them to go back more than 6 months.