Natwest charges help!

[owen2015]

Hi All

 

I have just came across this site and wish I had known about it years ago.

 

I need help with Natwest.

 

me and my wife have the following 4 accounts with them which defaulted in 2013.

 

Bank Account 1 - overdraft limit was £3000.00 - receiving letters for over £5500.

Bank Account 2 - overdraft limit was £1100.00 - balance know is over £1600.00

Joint Bank account - overdraft limit was £1500 - balance know is over £2200.00

Loan - balance was £450.00 - know is £650.00

 

My wife suffered depression after a miscarriage so wasn't get paid from work,

things spiralled and I buried my head in the sand

- I am trying to resolve all these issues know.

 

I am just wondering is their anyway I can put a complaint in about these charges

- over £4000 off those balances are purely charges which NatWest applied on top of charges.

 

Anyone any suggestions?

 

Thanks

[dx100uk]

you certainly can

have you ever sent them an sar to get all the statements.

 

 

are these still with NatWest or now with DCA's?

 

 

are these defaulted on your creditfile.

 

 

dx

[owen2015]

Nope never sent anything,

 

 

I buried my head in the sand so just ignored it

 

 

but since I have woken up and decided to deal with

 

 

I have realised they have charged silly amounts of money for nothing.

 

Its currently with Moorcroft but looking at the letters its not be sold as they refer to Natwest as their client.

[dx100uk]

ok safe to ignore moorcrap then!

 

 

time for an sar then

 

 

and get a claim in.

 

 

you could try bcobs first

but I'd still do a spreadsheet.

 

 

dx

[owen2015]

ok thanks,

 

So if I print off the SAR request - do I need to specify that it needs to detail every individual charge or will they do that automatically?

 

Enclose the £10.00

 

When you say put a claim in I presume I will have to wait the 40 days first to get an idea of what I'm claiming yes?

[dx100uk]

ok thanks,

 

So if I print off the SAR request - do I need to specify that it needs to detail every individual charge or will they do that automatically?

read the notes below the sar post in the link [re old addresses and proof now]

Enclose the £10.00

 

When you say put a claim in I presume I will have to wait the 40 days first to get an idea of what I'm claiming yes?

 

 

correct.

 

 

have a read of a few reclaims here

you'll get the idea

 

 

dx