Pam 1 v's Natwest

[pam1]

Well sort of v's
i have just gone through my lads statements.
£282 charges in 16 months.

Not to worried about cliaming them yet, may sit on the test case.
i warned him when i did a claim before.. Sort your financies out ..but mum doesn't know anything:rolleyes:

Anyway to the point...
When i read the statements the charges are taken and a date is printed in the discription section.

I am assuming this date is in relation to the status of the account and charges activated.

So if a charge creates a charge, is that normal.?

All those lines for that little question lol,.
Thanks
P

sorry added another, whats a referral charge?

[Amy]

Re: Pam 1 v's Natwest

The date in the description column is when the charges was taken. Is that what you mean?

[enaid]

Re: Pam 1 v's Natwest

That's £30 for not having enough money in your account to a DD or SO.

[pam1]

Re: Pam 1 v's Natwest

nope its similar to when a decit card payment comes in and it tells you the date of purchase.

columns are
1, date
2, details, cash withdrawl, charge etc
3, discription purchase or mobile top up etc, ( this has a date also with the charge when it is taken)
4, withdrawn amounts.
5, pain in
6, balance



just adding a bit more, i can tell the charges are taken on the last day of the following month, sadly each charge generated an overdraft charge again. :-(

[enaid]

Re: Pam 1 v's Natwest

they take you overdraft interest usually on the last day ot the month or the nearest working day. If that takes you over your limit they will charge you £28.

[pam1]

Re: Pam 1 v's Natwest

Nope :-( :-(
they are all £28 last day of each month and all convieniently before a transaction and some seem to have been placed before a transaction made 2 days prior so it seems the charge did not make the account go over drawn, but surely if the money was spent 2 days prior then the funds were earmarked, meaning the charge came in after?

I hate LLoyds but at least there statements were straight forward.

[Nattie]

Re: Pam 1 v's Natwest

charges are straight forward cos I wrote the charges guide. The sticky in the natwest forum

[pam1]

Re: Pam 1 v's Natwest

exceellent just opened it, very pro i must say

Ok I,ve got one sorted, and collated phew..
The referall fee was charged in May for the charge that took the account over its overdraft but it was OD by £9.69

many of the OD charges are for £4 ish overdrawn,

Nattie I need some guidance on this as my mum has a step account and a basic grey card, we were told she shouldnt incur charges. But it can be possible to get 2 purchases collide in a small amount of time if shopping. But as long as its minimal amounts she will be ok.

we never want an Overdraft on the account but mum needs this card for security when she goes out alone.

I have to get this set in stone one way or the other, as its mums Overdraft issue im trying to get straight with lloyds.

[Nattie]

Re: Pam 1 v's Natwest

Pam1- when you work for the enemy. I am the enemy by the way, work for the bank and am NatWestStaffMember on some sites(the guys on here shortened it to Nattie in a chat room many moons ago but still NWSM on MSE). Professional, nah, I work for them so I know how it works. If you need anymore help, then shout, and I can help.

[pam1]

Re: Pam 1 v's Natwest

Only the question of a charge , generating another charge.
and the cashpoint worry for my mum thanks

Although I have found a charge that has one of those dates for a month and there is nothing wrong within the month??? but that can't be right ive never heard of someone getting a charge for nothing.

i will have a damn good rummage through tomorrow, may scan them in if it helps.

P

[Nattie]

Re: Pam 1 v's Natwest

Could be a cheque clearing and the account going overdrawn, or charge causing the charge

[WendyB]

Re: Pam 1 v's Natwest

I think that usually the overlimit charge of 28 is for the month before. I get a notice every month telling me what charges and interest are going to be debited, it says what period the charges are for and its usually for the previous month.

[pam1]

Re: Pam 1 v's Natwest

Yeap wendy thats definatelyt how it works, im going to have to go in branch with this one there is no sign as to why the charge has been applied.

Natty no cheque books in this house, very limited interaction with banks allowed.

So charges can create charges, how awfull.
Oh well have to make a cliam when the test case is won.

[Nattie]

Re: Pam 1 v's Natwest

cheques being paid into your account not out of it.

[pam1]

Re: Pam 1 v's Natwest

Oh sorry, nope nothing like that ,no cheques gone in this account, im sure wages are paid by BACS, never had a problem with wages.