Nat west card and others

[tracyw]

Hi
Can anyone help. Im just going through all my card statement to claim back charges for the second time but thought i remember reading somewhere that there was a difference between claiming charges back from pre 2006 to more recent ones. Something to do with the banks already lowering their charges to £12 or am i talking rubbish.

Thanks
Tracy

[Amy]

Re: Nat west card and others

The £12 was only a suggested amount that the charges be lowered to, although they will try and tell you that they are allowed to charge this amount.

The fact remains, that a penalty is a penalty, so reclaim them in the usual way.

[tracyw]

Re: Nat west card and others

Thanks
So its still ok to have this "based on the Unfair Terms in Consumer Contracts Regulations 1999" in the letter
Tracy

[WendyB]

Re: Nat west card and others

Hi

this is the one I used with Natwest and Crap One. I found Natwest pretty easy to get the charges back from.

Shout if you need more help

[tracyw]

Re: Nat west card and others

Hi

Thanks for that. I did claim back loads last year by sending letter first but wasn't sure if any of the quotes had changed since then. So Thanks again
Tracy

[dumb blonde]

Re: Nat west card and others

Hi, got my list of charges back but cant remember if i paid ppi.Did ask for a copy of my agreement when i sent off for a list of charges but they never sent me one.What next?