Patricia Pearl - Small Claims Procedure - A Practical Guide


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BAILIFFS - The Law and Your Rights

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  1. #1
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    Default Y v Natwest ***WON***

    Hi everyone.

    On the 8th June I sent two recorded DPAR letters via recorded delivery, one to Natwests registered address in London and one to Halifaxicon's registered address in Yorkshireicon.

    Royal Mails tracking service failed to find the 13 digit reference number that I correctly entered. I phoned Royal Mail and they confirmed that there was no delivery confirmation for either of the two letters and told me that I had to wait to the 27th June before they would consider the letters lost.

    It seems strange to me that two letters destined for two very different regions of the country should go "missing". Do you think the two banks may have refused to accept the letter?

    So at this point I do not know if the letters have been delivered, and I don't know if the 40 days inwhich they have to comply with my request has already started.

    I do not want to wait until the 27th, especially if I am going to be told "they are missing".

    Should I wait the 40 days just incase they have been received at Natwesticon & The Halifax? or should I hand deliver two new letters to my local branches of the said two banks and ask for a signatureicon to say that they had received them?

    Your help is very much appreciated!

    Thanks

    Y

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    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  2. #2
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    Default Re: "Missing" Letters

    Hi Yaesu and welcome.
    I wouldn't worry too much about the RM track and trace. None of mine ever showed up as delivered but from the letters I got back from them they were.
    Normal 1st class post is deemed delivered 2 days later (from what I have learnt on this site).
    40 days starts from their receipt of payment (£10), I'm pretty sure. Read around - there are posts relating directly to this issue..
    Good luck and keep us posted.

    Nemo me impune lacessit!
    The hours of folly are measured by the clock; but of wisdom, no clock can measure.
    As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

  3. #3
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    Default Re: "Missing" Letters

    If you paid the £10 by cheque - have the cheques been cashed? That's the surefire way of knowing if they got delivered...

    Oh, and welcome *waves*

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    The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

  4. #4
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    Default Re: "Missing" Letters

    Well, if your letter is deemed delivered 2 days after sending, that means your cheque was too. Their 40 days begins upon receipt of the request and payment.

    What I would do is send them a second letter reminding them that you sent your request and payment on <date> and that their 40 days expires on <date> and they therefore have <x> days to comply. Just to kind of "jimmy them along" a bit.

    I find it extremely unlikely that they would select your letter out of the thousands received that morning and refuse to sign for it. What I think far more likely is that the postman (as usual) hasn't returned his delivery card to the Post Office and therefore the proof of delivery is lost.


  5. #5
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    Default Re: "Missing" Letters

    Stonelaughter and 5Laws are spot on, if you read pixlmixer, kerrylampard and my threads, we have all had this problem. Pixl didnt see any receipt of letters on track and trace but cheque has been cashed. I sent 3 letters, none were signed for but have assumed them received from 2 days after posting 1st class recorded.
    Its a common problem at the moment, must be due to high volume of DPA letters being sent!
    Start the 40 day clock ticking and follow up with reminder letter if nowt happens.
    good luck


  6. #6
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    Default Re: "Missing" Letters

    KateSage: I know this is well off topic, but is your avatar Huff the Hedgepig?

    http://www.triagonal.co.uk/Hedgepig/Huff2002.html

    Edit : link fixed.

    A&L: Settled - £6,200
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    Mint: Settled - £1200
    RBS: Settled - £850

    The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

  7. #7
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    Default Re: "Missing" Letters

    No it's not Huff but I am a huge fan of the little fella! Now thats what I call a hedgeblog!!
    I'm crazy about hedgepigs because we had one live in our house when I was little, lovely friendly, comical creature. He loved eating rice crispies and bullying the cat away from it's bowl of food. Cat had no idea how to cope with a spiky, huffing ball of prickles who's main tactic was to sit in bowl eating food from under himself!
    Sorry Yaesu, this is totally off topic..........but aint they cute!
    The link above didnt work but yahoo search Huff the hedgepig, great pictures!!


  8. #8
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    Default Re: "Missing" Letters

    Good morning everyone!

    Thank you very much for your help and advice, I knew I could rely on you!

    I'll be sure to keep you in touch with developements.

    Keep up the good work!

    Y

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    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  9. #9
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    Default Charge Confirmation Required Please

    Hi everyone

    I was just wondering if someone could confirm whether all the "charges" listed below are eligable to be included within the charges I am claiming a refund for.

    Paid Referral Fees
    Referral Charges (Same as above?)
    Card Misuse Fees
    Cheque Return Fee
    Unpaid DD Fee

    Your help is greatly appreciated!

    Thanks

    Y

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    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  10. #10
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    Default Re: Charge Confirmation Required Please

    On first glance yes, but how much are they for? are they automated? do they require a certain amount of manual intervention?

    read the FAQ and you won't go far wrong.


  11. #11
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    Default Re: Charge Confirmation Required Please

    Hi Lee

    Thanks for your reply.

    I have read the FAQ but could not find the answer.

    The amounts charged vary from between £25 and £35.

    I think you have actually answered my question very well, since I believe the charges were generated by machine, hence no manual intervention.

    Therefore they should count towards my claim

    *In they go*

    Cheers

    Y

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    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  12. #12
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    Default Y v Natwest

    Hi guys

    I thought it was time I started my own thread. Here I will update you with progress as I attempt to reclaim my money back from those ********, otherwise known as Natwesticon.

    A Subject access requesticon including a cheque for £10 was sent via recorded delivery on the 8th June.
    Royal Mail were unable to supply me with proof of delivery therefore I could not be sure the SAR - (Subject access requesticon) - (Subject Access Request) - (Subject Access Request) - (Subject Access Request) - (Subject Access Request) - (Subject Access Request) had been received at Natwests registered address in London.

    However the 6 yearsicon worth of statements arrived via Special Delivery on the 8th July.
    The statements were securly contained within a strong plastic envelope.

    I have checked through all the statements and arrived at a total of £2,203.00!
    (much more than I expected)

    I have today posted a Request for Refund letter via Special Delivery to Natwests registered address in London.

    I will keep you updated if and when they respond. ;-)

    *Do not use Recorded Delivery, use Special Delivery, that way you are guarenteed a signatureicon and therefore you will know for sure the letter has been delivered!*

    Wish me luck

    Y



    Credit Cards
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    Mint - WON! Monument - WON! Morgan Stanley - WON!
    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  13. #13
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    Default Re: Y v Natwest

    Hi, yes i did the same thing by sending my Data Protection off to Natwesticon but to the local branch and i assume that this will be forwarded onto the relevant department, I addressed it to the Data Protection Officer and requested all information they hold on me and mentioned bank statements i also included photocopy I.D to verify who i am. I won't be doing it via recorded again although it has been delivered i have to pay £2.20 on Royal Mail to get the signiture.!!!!


  14. #14
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    Default Natwest Bank Satements

    Hi Guys.

    I was wondering if anyone could answer my query.
    This relates to my normal weekly/monthly statements that I receive on a normal basis. (not SARicon statements)

    Why do Natwesticon bank statements take so long to arrive. By the time they arrive they are so out of date they are of very little use in trying to operate your account within bounderies.

    Is it a deliberate ploy by the bank?

    Does anyone "on the inside" have the answer?

    Cheers

    SS

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    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  15. #15
    NATTIE
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    Default Re: Natwest Bank Satements

    Yep,they're sent out 2nd class post. You canaskforthis to be changed to 1st class mail.Not a deliberate ploy


  16. #16
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    Default Y v Natwest

    Hi everyone.

    I thought it was time I started my own thread, so here goes:

    I have today (16th Aug) filed an online claim against Natwesticon via Moneyclaim.

    Here is how my case has developed:


    08/06/06 S.A.R sent to NatWest.

    08/07/06 Statements received via Special Delivery

    11/07/06 Refund Request sent. Amount claimed £2,226.00

    19/07/06 "Sod off and crawl back under your stone" letter received.

    01/08/06 lbaicon sent Special Delivery

    17/08/06 Moneyclaim filed for £2226.00 + 8% interesticon + £120.00 Court fees.

    I will keep you updated with how my claim develops. :grin:

    Cheers

    Y

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    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  17. #17
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    Default Re: Y v Natwest

    Good lick Yaesu, great to see there are even more people in the background filing their claims using the all the correct methods. My claim was acknowledged on 08/08/08, so i'm a little bit ahead of you at the moment.


  18. #18
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    Default Re: Y v Natwest

    Hi Plutos, perhaps you can keep me informed of your progress.

    Thanks and good luck to you aswell!

    Cheers

    Y

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    Mint - WON! Monument - WON! Morgan Stanley - WON!
    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  19. #19
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    Default Re: Y v Natwest

    Well my claim was duely acccepted by MCOL and papers served on Natwesticon.
    Natwest have acknowledged my claim and indicated that they plan to file a defenceicon.

    The case continues.......

    Y

    Credit Cards
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    Mint - WON! Monument - WON! Morgan Stanley - WON!
    Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
    Citi Cards -WON!

    Banks

    08/06/06 Claim against NatWest started.
    01/11/06 Case Closed

    08/06/06 Claim against Halifax started
    24/08/06 Case closed


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  20. #20
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    Default Re: Y v Natwest

    Keep going! Power to the people......we will win!!!!!



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