one of my customers is a senior banker for natwest, i told him about this thread and all these people getting money back, most of his reply was unprintable on a forum however the gist of his reply was A. you went over an agreed limit and were charged in accordance with the terms and conditions you agreed to. B. it costs a lot of money to have somebody sitting behind a desk sending out letters to people, his quote was that it costs £5k just to put someone behind a natwest desk, he should know he pays for all the infrastructure costs.
i did point out that if the banks had such a strong case for these charges why didn't they put up a fight, his answer "don't want any bad publicity".
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