Davy27 Vs Natwest...Sacked - current claim now in hardship?

[Davy27]

Nothing untoward so far. I have my statements for last 6 years.

 

I will update as and when I have new info. Placeholder for now.

[sea-sidelady]

Ay worries, just ask.

[yourbank]

short and sweet Davy. Post further if you need advice. Welcome to the NatWest forum.

[Davy27]

Thanks for the welcome. Just sending off the letter today while following the guide on this site (forget who by and where) This post sort of acts like a datestamp for later

 

Thanks again for every's time!

[sallysas]

Have you only been with them for 6 years? If you used the letter in the 'library' you would have asked for all the information of your banking history with them. Have they complied? Ooooohhhhhh I can be a troublemaker (but I'm on your side).

[Davy27]

Well longer but no charges until about 3 years ago.

 

I have made a list of all the charges but am debating wetehr to ask for the extras as I am unsure if I can reclaim the interest successfully and without going to court?

 

How to go about finding out my overdraft history?

 

I am thinking about just claiming for the charges and forgetting the interest they have also charges me on the charges in OD as I can't work them out and I can just put them down to 'learning my lesson'. Thoughts?

[sallysas]

A lot of people don't bother with the interest charge for just the reason you state as it can be a lot of hastle for so little. The 8% more than compensates if you need to go to court. In the end it is your decision.

[Davy27]

Hello all,

 

I am claiming ~ £800 from Natwest for unjust charges.

 

I have recieved the 'canned' letter telling me about the court case and that it will be on hold, or 'stayed' s I see you guys put it.

 

And as such, I have subscribed to Martin Lewis' MSE newsletter to recieve updates on that case so that I can chase my claim up at the right time, etc.

 

This is where is gets interesting - I lost my job a couple of weeks ago and I understand those without adequate income qualify as a 'hardship' case and as such, the court-ordered stay on claims now still requires these hardship cases to 'go through' as normal.

 

What do I send Natwest now, though? A short letter stating my newly found hardship status, or do I just send the claims charge breakdown and the original letter with the extra 'hardship' bit on the end of it?

 

I know the answer is quick and easy - somebody please clarify! However, because people can be wrong, I'd like as many people to chip in as possible.

 

Many thanks in advance!!!

 

- Davy.

[maroondevo52]

Hi, Davy.

 

I'll merge your Natwest threads and re title, hopefully you'll get the help your looking for.

 

Regards.

 

Scott.

[yourbank]

You write back to the bank with a change of circumstances. Most banks look at Priority debt arrears ie mortgage/rent arrears, council tax arrears utilities arrears etc.etc