Pre Lim Letter (under 18 years old) - **WON**

**orfoster** · 24th July 2006 20:44

I was under the age of 18 when these charges were placed onto my account. I have requested statements that have arrived. Im still waiting for another account i hold with them, please look at this letter below and tell me what you think.

Natwest icon

Customer Relations
Branch Address

25.7.2006

Request for repayment of charges

Dear Sir/Madam,

ACCOUNT NUMBER: xxxxxxxx SORT CODE: xxxxxx

[deleted]

[MODERATED: Letter templates are available in the templates library icon

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**barracad** · 24th July 2006 21:08

Yes send a prelim letter and make it clear that you are under 18 - hopefully this will get them to refund the charges quickly.

**orfoster** · 24th July 2006 21:12

Sorry im not under 18 anymore but 80% of charges were put on while i was under 18. Im now 19. I did mention in the letter i was under 18 or do you think i need to adjust it. I would value your comments.

**barracad** · 24th July 2006 21:17

Ah right if they were all incurred when you were under 18 it may have made it easier.

As long as you make it clear that a lot of the charges were incurred when you were under 18 that will be fine, but they may just offer to refund those charges instead of the whole lot, so will take just as long as anyone else to get the charges back.

**orfoster** · 24th July 2006 21:22

yeh i put Many of these charges were applied below the age of 18. Yeh thats fine, i don't mind waiting. i will look forward to their reply, i want to see what they say about the below 18 thing!

**orfoster** · 25th July 2006 11:35

telephone call icon

from Natwest Mon 24th July asking me to call my branch with regard to my SAR icon

called branch who can't see any notes anywhere about this SAR icon

but are trying to locate the guy that called me about this.........still on hold.

Waiting for a call back now as they can't find him. Hmmmm playing me around i think.

**orfoster** · 25th July 2006 12:51

Spoke to Natwest icon

now, SAR

apparently won't give me copy statements, apparently thats not included! They have told me that it will give me DOB, Address, Employment history and they have told me that will only go back 3 years. Hmmm

Cant be dealing with my branch now if they are gonna be funny like that. Member of staff was very rude to me when i told him why i was wanting this info. Think i will write direct to head office.

**barracad** · 25th July 2006 18:20

If you do write to the Head Office, make it clear that your local branch have already received the request and payment, and that the clock is ticking. Also explain you didn't request copy statements anyway.

**orfoster** · 5th August 2006 08:56

Sent Pre Lim Letter into head office special delivery that has been recieved. They still haven't complied fully with my Data Protection Act, i've sent a reminder special delivery to head office also. They have till 14th August to comply.

I've recieved FIVE copies of my personal accounts statements. They haven't yet got round to sending my other account lol.

NATTIE · 5th August 2006 14:51

Orfoster- DPA does include statements, did you get copy of CCA forms re loan?

**orfoster** · 5th August 2006 14:54

I have had FIVE copies of my personal account but not any copies of my other joint account i had which i included both account numbers in the DPA and haven't recieved anything but copy statements from my personal account now. I have sent in a reminder to the head office.

NATTIE · 5th August 2006 15:07

Orfoster- my question was did you receive a copy of the loan agreement which I think may help your case re loan

**orfoster** · 5th August 2006 15:20

No nothing at all. I have only had statements through. Nothing else which is quite useless. They have got till 14th August.

**orfoster** · 7th August 2006 13:47

Called Joyce Taylor @ Retail Regulatory Risk on 0131 6261165 to ask where my statements were, very helpful and told me to go into branch which i have done so hopefully will get this sorted now. Called her back and spoke to Alex Lyons on the same number. They were quite helpful. Hopefully my S.A.R will get here soon.

**orfoster** · 8th August 2006 19:51

Please can someone help me?
I have a few questions people can help me with, this might just me being stupid, i am claiming for two accounts seperatly. Im claiming on a joint account by myself with the other persons knowledge of course but without their help. The account is £1246.76 in arrears and the total charges are £1252.66. What happened was we were made redundant icon

and shopped on cheque garuntee card which made us overdrawn, now i can claim the charges back can't i?

One other question, interest icon

on this account while it was overdrawn, can i claim on that? and in my pre lim letter where it says total i put £xxxxx then whatever the interest was when i went overdrawn added up then put the two together??? this might seem really silly, just need it clarifying. Cheers

NATTIE · 8th August 2006 20:04

Ok I'll answer first question, YES

**orfoster** · 8th August 2006 20:43

No i don't mean the 8% when it goes to court, i mean the interest icon

the banks charges me for going overdrawn for unarranged borrowing? On the pre lim letters where it says "total interest" thats the interest that it means isn't it?? The interest they charged me for going overdrawn or does that just get totalled up. anyone understand???

Thanks for the help.

**Stopthethieves** · 9th August 2006 05:48

Just point out that shopping on your cheque guarantee card without funds is FRAUD.

Not sure if the bank would do anything about it though.

Regards

**orfoster** · 9th August 2006 05:52

Yeh long story. A flat mate went wild with the cheque card paying bills thinking we were gonna get paid but didn't but anyway, hopefully will get the bank charges back as the whole account is made up of these charges and the whole account has been paid apart from the charges.

**orfoster** · 10th August 2006 21:06

What are the particulars of the claim?? Does anyone have a template i can use for the online MCOL??? Im not that far along the line yet but im getting ready, can someone please help??????

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