Natwest Credit Card

[ruby15]

Sent in a request for statements from Natwest, when received there were just 2 charges of £18 from Sept & Oct 2002, I straight away sent a letter asking for this to be refunded, using Martins Money Saving Experts Calculator this came to £53.58. I received a letter from NW offering £12 which I refused. I then received another letter from NW saying there was in fact only one charge of £18 (I had sent a SAR and had received a copy of my credit card statements which showed 2 charges of £18) I pointed this out to NW. I have today received a letter from them offering £38.88 (which includes 8% interest) The interest from Sept & Oct 2002 totals £17.58 and they are offering me £2.88 what are they playing at?

[natweststaffmember]

Re: Natwest Credit Card

Might be worth asking them how they worked out that amount?

[ruby15]

Re: Natwest Credit Card

All they have done is add 8% to the charges not dating back to Sept & Oct 2002.

[natweststaffmember]

Re: Natwest Credit Card

But worth asking them why they didn't go back to september and October 2002

[ruby15]

Re: Natwest Credit Card

Point taken, will do that, thanks.

[ruby15]

Re: Natwest Credit Card

Sent in a request for statements from Natwest, when received there were just 2 charges of £18 from Sept & Oct 2002, I straight away sent a letter asking for this to be refunded, using Martins Money Saving Experts Calculator this came to £53.58. I received a letter from NW offering £12 which I refused. I then received another letter from NW saying there was in fact only one charge of £18 (I had sent a SAR and had received a copy of my credit card statements which showed 2 charges of £18) I pointed this out to NW. I have today received a letter from them offering £38.88 (which includes 8% interest) The interest from Sept & Oct 2002 totals £17.58 and they are offering me £2.88 what are they playing at?

UPDATE:
Sent a letter to NW telling them we wanted the full amount claimed. Today we have received a letter from them saying " Having reviewed your case no late payment fees have been appled to your account, therefore no refunds will be forthcoming" (enclosed with the letter was a copy of statements showing no charges - I now have several showing 2 charges, one showing 1 charge and now one showing nil charges!!!) What do I do now?

[natweststaffmember]

Re: Natwest Credit Card

Ignore Yourbank on CAG and answer the question on here ruby15
I remember the question I asked you
------------------------------- merged -------------------------------
I think I mentioned Statute of Limitations on there and didn't ask a question on there

[ruby15]

Re: Natwest Credit Card

Hi, which letter is yourbank refering to, if its the letter from NW that we recvd today its dated 9/12/08, if they mean the letter before that was dated 27/11/08. I dont understand what yourbank is getting at?

[natweststaffmember]

Re: Natwest Credit Card

I meant the one referring to the no charges bit
(other username I use on CAG is Yourbank)

[ruby15]

Re: Natwest Credit Card

Ah I see!! The letter I received today saying there are no charges is dated the 9/12/08. What do you suggest I do?:santa_wink:

[ruby15]

Re: Natwest Credit Card

BUMP

[WendyB]

Re: Natwest Credit Card

I would be inclined to send them a lettter saying that you have statements which clearly show charges being applied to your account, and enclose photocopies of the statements for their reference. Say that you want these charges totalling £xxx refunded in full. Remind them that the statute of limitations won't apply because you started this claim in (whenever it was) before the six years was up.

[ruby15]

Re: Natwest Credit Card

Ok will do, thanks once again Wendyb!!