consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> The Nationwide

The Nationwide Meet other Nationwide Bank customers who have also been faced with excessive unfair bank charges. A spokesman described some of their customers as "serial abusers" of their accounts. Is this true? - or is it really the Nationwide which is the serial abuser of its customers' accounts..


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 19th August 2006, 21:34   #1 (permalink)
gordond
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 34
gordond Novitiate
Default Keeping informed.

Hi all. Data Protection Act S.A.R - (Subject Access Request) letter and £10 cheque given in to reception at local branch 8 Aug 2006; receipt of details received.
Acknowledgement letter received 10 Aug 2006 from Susan Taylor, Data Protection Administrator. Indicates that "the law allows 40 days for S.A.R - (Subject Access Request) to be completed from the time we are given sufficient information to carry out the request. I have today requested duplicate statements for the account you have requested and I will send these to you in due course".
I hope this is an ackowledgement of "sufficient information to carry out the request" and not a delaying ambiguity.
Oh, is the 40 days just that or 40 banking days?
gordond is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th August 2006, 21:51   #2 (permalink)
Michael Browne
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 11,588
Michael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne AuthoritativeMichael Browne Authoritative
Default Re: Keeping informed.

Calendar days.
Michael Browne is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th August 2006, 21:53   #3 (permalink)
martin2006
Gold Account Customer
 
martin2006's Avatar
Default Re: Keeping informed.

if you took the Data Protection Act-S.A.R - (Subject Access Request) to your bank and they accepted it and gave you a receipt then the clock started ticking on that day. Its 40 days, not working days.
What do they mean by sufficient information?
If you stated the account numbers in your letter and the name of the account holder, what else do they need.?
Sounds like just another delaying tactic, keep to your timetable, not theirs.
martin2006 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 23rd August 2006, 14:30   #4 (permalink)
gordond
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 34
gordond Novitiate
Default Re: Keeping informed.

Just had my satements back from NW, after just 15 days.
Now comes the interestng bit of adding up the charges. If a mistake is made will it invalidate the claim or necessitate a restart of everything?
The pack is headed by some 27 reasons why manual intervention may have been applied to my account but nothing specific. Should I do anything or just ignore this?
gordond is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th August 2006, 10:51   #5 (permalink)
davisc02
Classic Account Customer
 
davisc02's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2006
Posts: 202
davisc02 Novitiate
Default Re: Keeping informed.

Quote:
Originally Posted by gordond
Just had my satements back from NW, after just 15 days.
Now comes the interestng bit of adding up the charges. If a mistake is made will it invalidate the claim or necessitate a restart of everything? No you can change the amounts at any letter stage the only place where you really need to get it 100% is at the moneyclaim stage, even here you can change details but it costs £30 I think.
The pack is headed by some 27 reasons why manual intervention may have been applied to my account but nothing specific. Should I do anything or just ignore this?
Just add the charges from the statements. If you want to claim overdraft interest you need to use the advanced spreadsheet.

Hope this helps
davisc02 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
NTL Defaulted me for £15 that they never informed me of. kellyplanet General Debt Issues 6 24th November 2007 22:39
Car Towed I wasn't informed.. cashcow Parking / Traffic Offences 5 21st December 2006 22:51
My daughter informed me of this site tim2718281 Welcome to the Consumer Forums 2 23rd August 2006 21:55
Refered to C.R.A. and not informed! Any advice please?! RGorman NatWest Bank 1 4th July 2006 21:25
I've just sent the Data Protection Act letter - I'll keep you all informed. John Nash NatWest Bank 5 27th April 2006 12:32




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.