Skyline v Natwest

[r33skyline]

Hello

 

My own thread

 

I have sent the "data protection act 1998 subject access request "letter template to NatWest on 5/8/06 and received on 11/9/06 two years of bank statements although the account ran for 5 years .

 

The 40 days are nearly up so i shall phone NatWest and ask them where the remaining statements are .

[callumsgran]

you could do and respectfully remind them what time they have left, goodluck!

[r33skyline]

cillitbanger

 

The remaining statements arrived today so i have the information

 

Now i just have work out what i can claim for ?

[sleepz]

Yep, highlight all the charges that you can claim back.

Download the spreadsheet in the templates library, and enter into it all the charges with as much information as possible, print it off, complete the Premlim approach letter (also in the template library), and fire that off to your bank along with the spreadsheet printout.

[callumsgran]

thanks sleepz

[r33skyline]

Thanks chaps

 

Now where can i find out what consitutes an unfair bank charge

 

I have identified a Referral Charge £25.00 for the month of July,whats a referral charge ,is it something i can claim ?

 

Unpaid items £30.00 Bank letter i guess .

 

excess borrowing 6 days @£3.50 = £21.00

[sleepz]

You can claim for "Referral Charge" and "Unpaid item", also "Card Misuse".

 

There may also be some additional charges, on my statements (from RBOS) they're listed as "Charge to XX-oct" etc.

You should be careful not to claim back anything that you have agreed to pay, such as an Overdraft Loanguard, or any fees that your account has (ie - the Royal Bank of Scotland has a Royalties account which incurrs a monthly cost), I don't know if Natwest has a similar account type.

[r33skyline]

Thanks

 

Excess borrowing ..can that be claimed

[sleepz]

"Excess borrowing" ... if that's for going over your overdraft limit, or going over your available credit then yep, that can be claimed back too.

[r33skyline]

"excess borrowing"

 

From the statement

 

"Should you overdraw without arrangmentyou will be charged our unarranged borrowing rate which is currently 29.5%PA"

 

Excess borrowing 6 Days @ £3.50 = £21.00

 

 

Is this acceptable for me to claim ?

[r33skyline]

Debit interest

 

Whats that ?

[Guest NATTIE]

In the NW forum I have posted on adgd fees and what can be claimed not excluding all those charges mentioned. On the interest side of things it is the interest on the unlawful charges that you can claim

[r33skyline]

natweststaffmember

 

Thanks for the advice

 

Where do i find the Nat West forum please ?

[r33skyline]

double post

[sleepz]

Natwest Forum : http://www.consumeractiongroup.co.uk/forum/natwest-bank/

[r33skyline]

Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?