uk_joe v NatWest ***WON***

**uk_joe** · 12th June 2006 13:35

Hi,
Having read through several pages of forums and the FAQs, I'm getting ready to go on the offensive with my bank. Really impressed with amount and quality of information here btw

Quick question which I'm sure someone can help me with:
I have pretty much all my current account statements from the last 6 years icon

stashed away at home. Previously I have (pleading poverty) had a couple of charges reimbursed, either in full or in part.

When I submit my claim I want to make sure that I'm only claiming for charges for which I have not already received a refund - should I send the bank £10 and ask for full copies of statements sent to me, or will these essentially be copies of what I have at home? Or do I need to go through my statements and work out which refunds from my bank tie in with which charges? I'm guessing the latter so I can submit an accurate spreadsheet of outstanding, non-refunded charges.

Thanks in advance
Joe

Similar Threads:

**mahala** · 12th June 2006 13:56

if you pay the £10 fee for a DPA request you may not receive copy statements. Some banks seem to send copy statements, others send computer print outs of transactions. Either way, if you have all your statements there already, you have the information you need to ahead. Getting the info from the bank will still mean you have to trawl through the info manually to find the charges.

However, a DPA request will be of benefit to you still, because you can ask them give you detials of any manual intervention on the account. It is likely that they will not provide anything, but then you can show a court that you asked, and they had nothing to give you (therefore likely showing their charges are not an accurate reflection of costs).

Good luck!

**caro** · 12th June 2006 14:00

Personally I would go through and work out which were refunded and when as it will affect the calculation of charges and interest icon

.

**craigwalton** · 12th June 2006 14:49

Personally I would try to recover the whole amount.. The bank will tell you quickly enough that they have already reimbursed xxxx amount of charges, then plead ignorance. This shouldn't delay the claim

Let them do the work for once.

**Bookworm** · 12th June 2006 15:36

I disagree with previous poster. If you do this, you are giving them the impression that you can't even work out your sums properly. Which means you're one of the easier targets for intimidation and bluff.

Do your maths properly, let them know you're in control. Better chance of success.

**caro** · 12th June 2006 15:37

I guess you could do that, but if your claim is inaccurate it could go against you at a later stage. Let's face it we are fighting the banks for being unlawful, and this is not entirely honest. Depends on your point of view.

**uk_joe** · 12th June 2006 15:49

Originally Posted by Bookworm

Do your maths properly, let them know you're in control. Better chance of success.

Originally Posted by caro

Let's face it we are fighting the banks for being unlawful, and this is not entirely honest.

Agreed - I don't want to be pulled up on a technicality and risk losing my entire claim (probably about £4K I suspect). Besides, victory will be all the sweeter when I know that I've been honest, and still got my money back! Thanks all for advice so far, all useful stuff

And thanks Mahala - good point getting details of any manual intervention (or lack of) with a DPA request.

Will be sending a DPA request of this week and will keep this thread updated.

**caro** · 12th June 2006 16:27

Good luck and welcome by the way.

**uk_joe** · 13th June 2006 10:21

RE: parachute icon

bank account. Should I try and get this sorted before I do anything relating to a claim with my bank? I'm about to send off my DPA request letter but wondered if I should wait until I get another bank account sorted before I do this. Bit worried in case just receiving the DPA request prompts them into closing my account!

Cheers

**katesage** · 13th June 2006 10:27

hi joe

i'd get onto it straight away but do send off your dpa stuff now because i dont think any bank has yet to close an account because someone requests their dpa data. Theyve got 40 days max but will probably reply sooner.
its the moneyclaim bit etc that they start getting huffy. some people have received threatening letters calling in overdfafts etc at the request for repayment letter stage. but its just another scare tactic, i mean they cant force you to pay it off if u dont have the money.

good luck
kate

**caro** · 13th June 2006 10:30

Not sure about that, but they could do some serious to your credit rating.

**uk_joe** · 13th June 2006 10:40

Cheers both, for rapid responses

Am going to town at lunch to send request off by recorded delivery then. Wouldn't hurt to scope out some banks at the same time too.

Joe

**uk_joe** · 13th June 2006 14:08

Calling all\any Mods

If I were to ask nicely, is it possible to change my username?

EDIT (17th June): Thankyou wonderful mods, both for threadmerge and username change

**uk_joe** · 17th June 2006 09:57

Thought I'd start my David v Goliath blog today, though nowt to report as yet.

Phoned customer service last week and received 6 years icon

worth of Statements this morning. Worked out that I've had £3483 in charges over last 6 years. First time I've ever looked through my statements and been happy to see charges on there

Prepared prelim letter ready to send off on Monday to Borehamwood address.

DPA letter, sent last week, still not been signed for according to post-office website, though not too surprised as this seems to be a fairly common theme!

**barracad** · 17th June 2006 10:00

Good luck with your claim.

If you would like to change your username, PM me and let me know what you want it changing to.

**caro** · 17th June 2006 15:21

Hey UK Joe, I've just noticed we are from the same neck of the woods. First time I've noticed anyone else from Warwickshire here. Not from a certain Royal Spa town by any chance are you?

**uk_joe** · 18th June 2006 04:27

Hey Caro,

I certainly am! From good ole Royal Leamington Spa

. I live in south town (south of the river that is) if you know the place at all (sounds like you do).

**caro** · 18th June 2006 09:58

Born and bred. I am in a village just to the north of the town so probably 10 minutes away. When I started this, there was a survey showing where people are from, which I completed, and the nearest was Birmingham.

When we bought our first house (1982), our mortgage icon

was with Nat West and they insisted that we did all our banking with them (hmm wonder if that is allowed now; what's the statute of limitations icon

), but within about 3 years we moved mortgage and bank accounts. Now my parachute account icon

is with them. Ironic or what?

Anyway, nice to meet you, and if you need any help from a fellow Leamingtonian I will do my best.

**uk_joe** · 26th June 2006 14:24

Nearly 2 weeks after sending my Data Protection Act request letter, and it still hasn't been signed for according to the postoffice website. I've just phoned up the post room at 135 Bishopsgate, who were most helpful. The chap I spoke to tracked down my letter using the recorded delivery code and told me that the letter had been received and passed onto the relevant department within Natwest icon

. I mentioned to him what it was all about, and he wished me best of luck!

Bit odd that the letter has been delivered yet no signature icon

was taken - worth taking up with the post office? Maybe I could get my 60pence back from them

I've also had the standard response with respect to my preliminary letter requesting a refund, so I'll give it another week and send my lba icon

off.

**uk_joe** · 24th July 2006 10:07

I have been somewhat confused about the interest issue (claming back interest on overdraft icon

charges being different from the 8% added on if the case reaches court).

My claim is for £3601. I have already sent a preliminary letter and an lba icon

to the bank for this amount. Using Vampiresses spreadsheet, I worked out that the interest on all these charges (over a 6 year period) was about £650. I had thought that this was the interest I would add on if the case reached court, and so hadn't mentioned in these two letters. I now realise (correctly?) that I can claim this overdraft interest back with my initial claim, and then add on a further 8% when it reaches court.

Should I begin the whole process again, sending the preliminary letter and LBA back to Natwest icon

with the revised figure or £3601 + £650, or is it ok to begin my moneyclaim case with the new amount?

Apologies if this is confusing, but its confused me!

Cheers!
Joe

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