** SUCCESS ***Yet more charges - full refund hardship :)

[Mochamoo]

Cheeky beggers would not give me a 6 month increase in my overdraft yet will happily charge me 90quid a month....


Anyone else had one of these?





....two hours after starting this thread I think I may have cracked how to get an attachment on

[bonsai8]

Re: ** SUCCESS ***Yet more charges - full refund hardship

Thanks EXC, it has been a very trying time and i am hoping i will have additional success have a PPI case pending with Paragon Finance. :tinysmile_hmm_t2:

[EXC]

Re: ** SUCCESS ***Yet more charges - full refund hardship

I think you've done very well to get as much as you did regardless of how bad your circumstances are.

If the OFT ultimately win the test case then the bank is required to pay the remainder of any part settlement under the FSA waiver conditions:

http://www.fsa.gov.uk/pages/Doing/Re...sp_monthly.pdf

(16)
if the firm attempts to resolve a relevant charges complaint after 27 July 2007:


(b)
in relation to such complaints, if the outcome of the test case produces a result that is more favourable to the complainant, the firm must take all reasonable steps to pay any difference in the amount of compensation actually received by the complainant and that that the complainant would have been entitled if his claim has not been settled by the firm then;

I had been a customer of rbs for over 20 years, after several setbacks I have had a claim success. RBS repaid over £13K back to me in bank charges. I am in financial hardship using a debt management company. I have used these funds to pay my creditors but am still heavily in debt.

I have calculated that I am still owed over 4k, I am asking whether anyone feels it is likely that I will receive the full amount fron RBS? :help:

[bonsai8]

Re: ** SUCCESS ***Yet more charges - full refund hardship

I had been a customer of rbs for over 20 years, after several setbacks I have had a claim success. RBS repaid over £13K back to me in bank charges. I am in financial hardship using a debt management company. I have used these funds to pay my creditors but am still heavily in debt.

I have calculated that I am still owed over 4k, I am asking whether anyone feels it is likely that I will receive the full amount fron RBS? :help:

Re: ** SUCCESS ***Yet more charges - full refund hardship

I would like to think it is the sign of things to come. But, I truely believe it was a well packaged claim and your I&E and your evidences showed that you were worthy to be helped imho.

Whatever the reason is, I am well pleased for you as it will help you to survive.

Tuttsi

Ive been reading through MSE and other forums and I have not found any other hardship case with Natwest where they have refunded all the money and interest.

Does anyone know why I've had a full refund plus interest ? Is this a sign of what is to come - full refunds for all? I'm not complaining - I am very happy with my refund - I just want to understand why it was a full refund.

[scoobydoo]

Re: ** SUCCESS ***Yet more charges - full refund hardship

It is strange - there does not seem to be any consistency - some cases really struggle and others seem to go easily - there does not seem to be any pattern even within the same banks.

I often wonder if they do look at your total household "rating" if you see what i mean to see if they think you are within the groups that in the future they do want to keep as customers if and when we have a recovery.

Cynical of me I know.

[natweststaffmember]

Re: ** SUCCESS ***Yet more charges - full refund hardship

I don't know of any cases Mocha, I do know of a number of cases where the amount refunded was higher than the amount claimed, but I had assumed it was either an error with the calculation or something like that unless they are going back any further than they are required to do.

[Mochamoo]

Re: ** SUCCESS ***Yet more charges - full refund hardship

Ive been reading through MSE and other forums and I have not found any other hardship case with Natwest where they have refunded all the money and interest.

Does anyone know why I've had a full refund plus interest ? Is this a sign of what is to come - full refunds for all? I'm not complaining - I am very happy with my refund - I just want to understand why it was a full refund.

[charitynjw]

Re: Yet more charges

:whoo:

cnjw

Re: Yet more charges

Fab news, well done hun xxx

[Amy]

Re: Yet more charges

Well done that woman xx

[calamity jane]

Re: Yet more charges

Great news. Well done.



CJ

Re: Yet more charges

Well done Mocha, fantasic news hun.

Tutts xxxx

[Tools]

Re: Yet more charges

Fantastic news Macho, a little light at the end of the tunnel.

[Mochamoo]

Re: Yet more charges

Today I received a FULL refund plus interest.

My claim was £917
I received £1039.


Thank you to every one who helped me and supported me.