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Advice on reclaiming natwest bank charges


Rebchappers
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I filled out a questionnaire with natwest in order for them to look at my complaint quickly, as i believe i am in financial hardship. Basically, although i have a decent income and am not on any benefits, my monthly income is not enough to cover all of my outgoings,. Each month i am increasing a loan in order to repay my debts and living costs. Thus, my debt is actually getting bigger. To me, this is unacceptable, and its all because of the charges that NATWEST applied to my account. They owe me nearly £3700 in unfair bank charges.

I took out a payday loan a few months back and now this has spiralled out of control. They take the full amoutn out every month and on top of all my other regular commitments, i am approx £600 OD each month. I dont have an overdraft on my current account at the moment, so i have to take out another payday loan so i actually have money for food and petrol. To me, this is financial hardship. My income does ot cover my outgoings and i have to resort to credit to buy food.

 

Natwest have written to me today, and said that they do not consider me to be in a position of financial hardship and so they wont be looking at my case again until the result of the OFT case.

 

I am distraught, to say the least

 

Where do i go from here? any help would be much appreciated

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