Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
At last a chance to kick back for all the money they took while i was at uni (getting drunk and forgetting stuff :o ). have sent dpa letter to Natwest 08/06/06 (+3 other directions ) god knows what they owe me collectivly but am extreemly gratefull to have found the site, and VERY VERY ready to fight them for my life back.
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
So far i have had no response from Natwest. Called customer services who said they have a record of the request and it should have been sent on the 23rd. She was very confused by the notes on the account but got to the relevant ones in the end. Also said there was no charge for them. Nice to know they respond to our requests, shame we have to follow them up to find this out.
18 days passed on dpa request, chompin at the bit now.......
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
At last some action on the statements. This morning i got all statements back to july 2003, the date i opened the account. Result i dont have to chase the microfisch ones. THESE ARE PRINT NUMBERED FROM PAGE 1 ONWARDS. This makes me think there fisch arguement is rubish if they have been using it.
I totaled up the charges £240, bit disapointing but hey they hurt when i was at uni with no money.
I have one question about removing defaults. It shows on the statements that i paid 2 x default notice fee, one was refunded but does this mean i was defaulted and paid for them to do it? or is it just their terminology? not sure if i need to include the red bit on the refund request letter.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
Another quick thought. I am claiming back on a student account so it has been 0% interest most of the time. On the letter for refund it says in the what i require section about claiming interest and the total amount. Can i just edit it and send it like this:
What I require
I calculate that you have taken £240.
I enclose a schedule of the charges which I am claiming with this letter.
Not sure if this could cause me any problems later on so thought i would ask.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
hmmm
ok i wont bother to wait for a reasponse. think i will just send it.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
I'm currently a student claiming for some charges but I don't have any interest so I just haven't mentioned it in my letter.
Don't know if this is the right thing to do though?
Initially owed £76
Phone call to NatWest - £19 refunded Now claiming £57
Visit to local branch - Nothing done
Initial letter - Standard refusal letter from Mr. Higley
LBA - Another refusal letter from Mr. Higley
Action filled Monday 7th August - court costs £30 Now claiming £87
10th August - Natwest acknowledge the claim, intend to defend in full
23rd August - Received a latter and cheque from RBS for the full amount
24th August - Send letter to RBS accepting payment on the condition that payment is not confidential
30th August - Payment cleared. Case closed!
cool. cheers for a response at least. will get it sent out today. good luck claiming yours.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
Initially owed £76
Phone call to NatWest - £19 refunded Now claiming £57
Visit to local branch - Nothing done
Initial letter - Standard refusal letter from Mr. Higley
LBA - Another refusal letter from Mr. Higley
Action filled Monday 7th August - court costs £30 Now claiming £87
10th August - Natwest acknowledge the claim, intend to defend in full
23rd August - Received a latter and cheque from RBS for the full amount
24th August - Send letter to RBS accepting payment on the condition that payment is not confidential
30th August - Payment cleared. Case closed!
letter requesting refund hand delivered to my Natwest branch today.
have worked out the charges are about 17% of my total overdraft. i'll be avin that back i think.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
dont worry clair i have no intention of giving up. recieved a letter today saying they will be in touch by 21/07/2007. I called the person that sent it and asked if it was just an error, he said it was and will be in touch by 21/07/06 as per my 14 days. Think the presure may be showing a little as he wasnt to happy when i spoke to him. Still managed to make it a laughing matter and he seemed to cheer up, fingers crossed for a full refund then.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
Got the crap offer letter 25/07/06 £90 of the £240 they owe me. Sent lba with paragraph say thanks but bo!!ocks. Should have arrived this morning so hey, progressing nicely.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
the post office lost my first lba so i hand delivered one 2 weeks ago today. time for my 2nd money claim action.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
money claim filled today. another £300. only barclaycard left then.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
Natwest have decided to acknowledge my claim today. strange thing is that it is not even deemed issued yet according to the dates i have. what does this mean for my dates? do they still have 28 days from the 3rd of september? or does that start from when they acknowledge the claim? just wondering if they have now speeded up my claim for me.
fingers crossed anyway
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
Hiya i can see your claiming with Natwest too. When you sent you data protection letter to Natwest asking for the stmnts with just the charges did they send these or all your statements for the last 6 years?
Natwest have decided to acknowledge my claim today. strange thing is that it is not even deemed issued yet according to the dates i have. what does this mean for my dates? do they still have 28 days from the 3rd of september? or does that start from when they acknowledge the claim? just wondering if they have now speeded up my claim for me.
NatWest Data Protection Act 08/06/06. 29/06/2006 recieved all statements. total £240. Letter for refund 07/07/06. offer of £90. lba lost by P.O. hand delivered 10/08/06. money claim 25/08/06. will be deemed served 03/09/2006. acknowledged 31/08/06?? SETTLED
barclays Data Protection Act sent 08/06/06. Printout from 2001 arrived 14/07/06 total claim £740. 11/08/06 £425 offer. LBA 01/08/06. moneyclaim 22/08/06. served 28/08/06 acknowledged. DEFENDED. COURT SET DEC 13TH. LETTER OFFERING FULL REFUND + COSTS 17TH NOVEMBER. 21ST NOV MONEY IN BANK
barclaycard Data Protection Act sent 08/06/06. 27/06/06 called to chase Data Protection Act. statements from 2004 onwards arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
its 28 days from the issue date. Sof if they acknowledged it early thats fine. its 28 days from that date.
You will get to find out who is defending, if Cobbetts are defending they will file their defence on the last day, if however RBS (Natwest) defend it you might get it back sooner.
If I do give you advice please be aware of the following:
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
03/10/06 - NatWest Claim Settled in Full to the amount of £2344
09/10/06 - 2nd Natwest Claim - Pre Lim sent | Halifax CC S.A.R - (Subject Access Request) Sent | Natwest CC S.A.R Sent
refundmylife v Natwest
and forgetting stuff :o ). have sent dpa letter to Natwest
08/06/06 (+3 other directions
) god knows what they owe me collectivly but am extreemly gratefull to have found the site, and VERY VERY ready to fight them for my life back.
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arrived 14/07/06. Total of £160. putting this one off until i can buy my statements. NEXT INSTALMENT COMING SOON, VERY SOON.
but hey they hurt when i was at uni with no money.
