Natwest charges Refunded, now after packaged account fees - didnt know about them

[maroondevo52]

Is there nothing to indicate what the charge is.

[Ftgab19]

I've looked at my online statement and the charge was on the 20/02/2015. It just says 30JAN then my account number. the charge was for £9.86.

 

Andrew

[dx100uk]

ring them and ask?

 

 

dx

[Ftgab19]

Can I not just send a letter? I don't like talking to them on the phone at the best of times.

 

Thanks

Andrew

[maroondevo52]

Can I not just send a letter? I don't like talking to them on the phone at the best of times.

 

Thanks

Andrew

 

Can't see why not, just take a wee bit longer.

 

Can't find a £9.86 charge in here........

 

http://personal.natwest.com/personal/current-accounts/rates-and-charges.html

[KSmith82]

Based on the information posted in this thread, since June 2014 you were paying £10 per month for a Select Silver account. The charge was debiting your account on or around the 22nd of each month (depending on whether the 22nd was a working day or not). The description of the charge displayed either a date from end of the previous month or the start of the current month.

 

I believe you have since asked for your account to be downgraded from the Select Silver account to one with no such monthly charge. So the £9.86 charge is probably a pro-rata £10 charge for the Select Silver account up until it was downgraded.

[Ftgab19]

Hi all,

 

Got a letter from NatWest saying it was a charge for a package account!

 

 

How many times do they need telling I don't want it.

 

 

Really annoyed with them now,

was thinking of putting in a package account claim and to claim all I've payed back because it's mis-sold, I've never used anything they gave me with the account.

 

I'll upload the letter and would like some advice on were to go from here.

 

Thanks

Andrew

[Ftgab19]

Hi everyone

 

Not heard much about my account from NatWest until I got a letter from Morrcroft on the 20/05/2016.

They say my account has been passed on from NatWest and I owe £467.86!

 

All I can think of that could of made it that much is that they kept charging me for being a 10er overdrawn. But that's only because they didn't downgrade me even after I asked multiple times.

 

Any help would be much appreciated.

 

http://docdro.id/LVx0kXT

 

Thanks

Andrew

[dx100uk]

get reclaiming the package account fees.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?459427-Reclaim-Packaged-Current-Accounts-Deal-Fees

[Ftgab19]

Thanks xd

 

I'm looking through the reasons for mis-selling and I'm not sure what reason applies to my situation. Also should I not send Morrcroft something to let them know the account is disputed?

 

Thanks

Andrew

[dx100uk]

Moorcroft don't buy debts

so can be ignored.

they are not bailiffs..

 

 

dx

[Ftgab19]

Okay I'll ignore Moorcroft for now but what mis-selling reason should I use to best describe my situation xd?

 

Thanks

Andrew

[dx100uk]

read from post 31

[Ftgab19]

How would this be for the complaint letter?

 

 

 

 

National Westminster Bank Plc

135 Bishopsgate

London

EC2M 8UR

 

 

6th June 2016

 

 

Account Name: SELECT SILVER ACCOUNT

Account No: 00000000

Dear Sir/Madam

 

I have had the above account since June 2014 but believe it was mis-sold to me. I tried to downgrade my account multiple times but was ignored by your staff and ended up incurring additional overdraft charges due to the failure of your staff downgrading the account.

 

I enclose copies of my statements dating back to when the first account fee was taken out. I am writing to request a full refund of the fees I have paid plus any interest owed to me.

 

I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service.

 

Yours faithfully

 

Andrew