sjc1985 v Natwest

[sjc1985]

Ok, this might seem a bit strange and might take a bit to get your head round... My overdaft had to be temporarily increased to nearly £3000 as the charges got ridiculous and I didnt have enough money to even live on... then the tax credits mucked my money up for a while but the bank continued for charges... then didnt cancel dd's on time etc... NOW i cant afford the pay the overdraft back up as I only get £100 a week in tax credits which means that on top of the charges, Im also getting charged nearly £40 interest each month for the overdraft which i never wanted that high in the first place.. My question is.. can i claim for the overdraft interest? Without their charges it wouldnt be anywhere near that high anyway!! Although Im not saying part of it wasnt me, but not as bad as they have made it!

[sjc1985]

Hi, im just wondering exactly where all the letters should be addressed to? The ones i have printed out are addressed to my local branch is this ok?

[Guest NATTIE]

Branch is a good start if it is Prelim or the Goggarburn address for Data Protection Act request

Good Luck

[sjc1985]

Its the data protection request for 6 years statements, people will have to bear with me, my brain is on the fritz at the minute, thanks x

[Guest NATTIE]

http://www.consumeractiongroup.co.uk/forum/natwest-bank/714-natwest-contact.html link 16 i believe is the one you need for goggarburn

[kerriegeorge]

Hi - its a bit confusing but - in general you cant claim overdraft interest UNLESS you have gone overdrawn as a direct result of charges being applied to your account. Which sounds like you. Its very complicated to work out but a mod or site helper has a specific calculator to help with it. I'll have a look around see if i can find it x

[sjc1985]

The original overdraft was for me to have some money... the additional overdraft raises were to cover the charges each month with an exceptionally high repayment rate (£260 a month out of £400) which I have no way of affording at all so everytime im getting interest charges its making me go overdrawn which is resulting in further charges each month...

[kerriegeorge]

ok go to bank templates library and click on the calculate interest spreadsheets. if you click on the advanced spreadsheet theres instructions, explanations and spreadsheets on there. hope this helps x

[sjc1985]

Thats great thanks, The address on the letter is the branch address, that shouldnt make any difference should it, as long as the letter gets sent to the right place will it?

[Guest NATTIE]

true but make sure you either include a cheque/postal order for £10 or put in your letter to debit your account that amount or it will be delayed, ok?

[sjc1985]

I will include a postal order for £10 and get it delivered by recorded delivery and hopefully they will come back pretty quick.

 

Thanks for your help x

[sjc1985]

If it gets to the stage where I have to file for court, im on a very low income so does that mean that I would be exempt from court costs as I would if I took someone else to court?

 

Thanks x

[Number6]

Quite possibly.

 

Have a read of the leaflet that you can download HERE

 

Pete

[sjc1985]

So does it just work the same way as taking anyone else through the small claims court? its not special because its the bank? I wouldnt have to pay in a small claims court if taking someone else to court x

[Number6]

So does it just work the same way as taking anyone else through the small claims court? its not special because its the bank? I wouldnt have to pay in a small claims court if taking someone else to court x

 

There's no difference at all so far as the court is concerned.

 

Pete

[sjc1985]

Who is the DPA fee made payable to? Thanks x

[orfoster]

For NatWest you make it payable to NatWest Bank. You can send the request into their head office which is 135, Bishopsgate. London. EC2M 3UR

[sjc1985]

Sent off dpa request today... One quick question though, since it is a joint account does my partner have to be on claim as well? I am the main applicant and it was my single account for nearly 5 years before he joined... Thanks x

[Michael Browne]

As long as the a/c only reqiures 1 signature, you can claim in 1 name.

[sjc1985]

It does only require 1 signature, thanks x

[sjc1985]

Ive had to have a consolidation loan to pay off my overdraft which kept being increased due to charges, can I claim for this as well?

[Guest NATTIE]

consol loan- if all for charges then YES

[sjc1985]

Ok, so my letter was recieved today... i have to wait for 40 days now... when is 40 days from? The date of the letter or the date it was recieved? And once i recieve the info, do i have to wait until 40 days is up to move onto next step or do I just go straight on with it?

[Michael Browne]

40 days from receipt. You can send the prelim letter as soon as you have recieved your statements.

[sjc1985]

I hate being a pain, lol... nervous as you can see... Is that 40 days in total or 40 working days? Sorry x