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Hello all, I originally posted about this on moneysavingexpert but have also been referred here as apparently you guys know what you're talking about, too! So here goes...
I am trying to reclaim bank charges from NatWest. I have been overdrawn on my account for some time as I simply haven't had the money to pay off the account and survive. I had been managing to keep the account within the overdraft limit, but at some point last year the account finally exceeded the limited and I was charged two hefty sums as a penalty. Since then the account has been snowballing. I'm now nearing £750 in debt!
NatWest recently asked me to complete an expenditure form to prove my financial hardship. Having done this, it has apparently been ignored. I have been issued a default notice. To further add to my frustration, they continue to send all correspondence to me at my mother's address, an address I haven't lived at for over a year - something I have informed NatWest of!
In regards to reclaiming bank fees, I requested a list of all fees ever charged on this account on February 2nd and included a £10 cheque to cover any costs. According to the reclaiming guide I have been following, the banks have 40 days to respond to this. I make that March 14th. I've heard nothing. I was silly enough to not send either the letter or the expenditure form recorded delivery, however I don't for a second believe they haven't received at least one of these documents!
I was wondering if anyone could just give me some advice on what to do...my account continues to snowball and now I find myself pregnant and signed off of work due to hyperemesis gravidarum. I get £50/week! I'm finding it all very stressful and only want to claim the charges back to I can pay the account off. Help!
I am trying to reclaim bank charges from NatWest. I have been overdrawn on my account for some time as I simply haven't had the money to pay off the account and survive. I had been managing to keep the account within the overdraft limit, but at some point last year the account finally exceeded the limited and I was charged two hefty sums as a penalty. Since then the account has been snowballing. I'm now nearing £750 in debt!
NatWest recently asked me to complete an expenditure form to prove my financial hardship. Having done this, it has apparently been ignored. I have been issued a default notice. To further add to my frustration, they continue to send all correspondence to me at my mother's address, an address I haven't lived at for over a year - something I have informed NatWest of!
In regards to reclaiming bank fees, I requested a list of all fees ever charged on this account on February 2nd and included a £10 cheque to cover any costs. According to the reclaiming guide I have been following, the banks have 40 days to respond to this. I make that March 14th. I've heard nothing. I was silly enough to not send either the letter or the expenditure form recorded delivery, however I don't for a second believe they haven't received at least one of these documents!
I was wondering if anyone could just give me some advice on what to do...my account continues to snowball and now I find myself pregnant and signed off of work due to hyperemesis gravidarum. I get £50/week! I'm finding it all very stressful and only want to claim the charges back to I can pay the account off. Help!
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