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    • An update to this case as I’ve not been on in a while.    I am still awaiting a charging decision in the case. The two police officers involved have said their personal belief is a section 47 ABH charge is the most likely outcome but this isn’t a sure thing of course.    The EA certificate from the issuing court has now lapsed. The court have refused to recertify him until they’ve had a hearing in to the case, and the district judge has issued orders to surrender all evidence, footage, photos etc.    I have done so promptly.    the EA, not so much . Equita have claimed they cannot provide his bodycam footage as the camera he was wearing is the EA personal one not one of theirs.   the EA has claimed he has asked Equita and the police for the footage as he claims he doesn’t have it.    the police have confirmed they didn’t seize his camera and they don’t have it.    so they are basically pointing the finger at each other all the while failing to comply with the district judges order to provide all evidence they intend to rely on at the rescheduled hearing.    The district judge has stated the hearing for his certification will NOT be the hearing for my complaint as there is no charge as of yet, and just as to whether he should be recertified or not.    I’m not 100% on why that can’t be done at the time, but I’m not about to question a judge…..      
    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
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Email or contact details for NatWest


BankFodder
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Have you managed to obtain email addresses, direct telephone numbers or high level names of the NatWest Bank customer services department?

 

These details can save a great deal of time for people who are trying to claim and are attempting to penetrate these bureaucracies at a level where they can have meaningful contact.

 

We would like to post these details for others to use.

 

If you can let us have this information, please contact a moderator by PM.

Thanks

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Make your Data Protection Act application direct to: -

 

Mr Alex Lyons

Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

GOGARBUREN

P.O.Box 1000

EDINBURGH EH12 1HQ

  • Confused 1
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  • 3 weeks later...

John Cunnane

Manager

Customer Relations Unit - Depot Code 040

225 Shenley Road, Borehamwood, WD6 1TE

External: 020 8236 8007

Internal: 4040 8007

Fax: 020 8236 8010

 

Nigel Owen

Media Relations Manager - NatWest

020 7672 1932 / 0776 642 0981

020 7672 1934

 

Caroline Harris 020 7 672 1931

 

[email protected]

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  • 2 weeks later...
  • 2 weeks later...

Phone 0131 626 1165

Fax 0131 626 3049

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Hi Everybody

 

I just joined today - Go to the TOP man at RBS & NATWEST - The Guy is

Sir Fred Goodwin Chairman & CEO of the RBS Group. He reads every

complaint letter himself - if the suits try to hide anything from him he

goes balistic ! and he is a trained lawyer.

 

Mary McCallum Personal Assistant to Sir Fred Goodwin

0131 523 2033

 

You will get prompt attention and satisfaction

 

Wilip Woy

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What is the address??

 

I'm having a poke about right now - and it's not easy to find one that says, "here's where to write to Fred". Quelle surprise....

 

But, that's a Glasgow number I think.

 

That said, I've found a registered address in Edinburgh..

The Royal Bank of Scotland plc, 36 St Andrew Square, Edinburgh,EH2 2YB

 

I want to ring that number and ask his assistant for their postcode - just to check - but I'm scared she'll ask me why and I'll bottle it!! :D

 

From http://www.citizenbanksucks.com I see :-

PO Box 31, 42 St Andrew Square Edinburgh EH2 2YE

 

But I take the point elsewhere on this forum that Nat West issues should be addressed to Nat West. But then.... letters to "Fred the Shredder" (as I've seen him referred to) is another avenue!

 

Sorry if this isn't much help, I'm trying to save people time (I hope) and show that pinning the CEO down isn't that easy.

But then again, what do I know?

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Gogarburn

Edinburgh

EH12 1HQ

 

Thats the address.. Just called her...

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Sent my original DPA to the Edinburgh address (for credit card info, mind you) and reply came from this address:

 

Credit Card Operations

Regulatory Risk

PO Box 5636

Southend on Sea

SS99 1WJ

 

Tel No: 01702 371 316

Fax : 01702 278 409

 

and was signed by a Data Protection Officer.

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  • 2 weeks later...

just wanted to add another addy, Ive just issued my prelim approach to this address:

Natwest

Credit Management Services

1-3 Kendal court

Ironmasters way

Telford

TF3 4DT

 

I got the address off the woman i spoke to on the phone on friday when enquiring about charges..

xxxx

Abby acct 1, Preliminary approach letter issued 7/4/06

Natwest, result, full refund given, and more!!

T-Mobile, RESULT, refund given!!

DPA Request letter Abby, acct 2, issuing soon

 

Everythings Relative..(updated)Charges 'owed' to date = £225

One day the world will be fair... Maybe....

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Another useful contact for the same Customer Rerlations address at Shenley Road Borehamwood, may be STUART HIGLEY.

 

I have just received all 6 yrs worth of statements from his office, following my first letter requesting details of charges. Having picked through all statements and finding £965 in charges, I'm sending my second letter directly to him this time. Wish me luck!

 

Hope this helps.

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  • 2 weeks later...

All I did to get my statements was contact the CS department on 0845 6052605 I asked for 6 years of statements to be sent to me and the customer services representative arranged it over the phone so my statements are in the post (hopefully!!)

NatWest - £3750 - Settled

HSBC - £1100 - Settled

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  • 2 weeks later...

Aha!

 

135 Bishopsgate

London

EC2M 3UR

 

Registered office, according to an account transaction listing I got yesterday...

  • Confused 1

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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When all else fails, you should look at the Information commissioners website for the definitive address to send DPA requests to. This is from THE Data Protection Register:

 

Registration Number: Z5619639

Date Registered: 03 August 2001 Registration Expires: 02 August 2006

 

Data Controller: THE ROYAL BANK OF SCOTLAND PLC

Address:

36 ST ANDREW SQUARE

EDINBURGH

MIDLOTHIAN

EH2 2YB

 

also:

 

Registration Number: Z4936258

Date Registered: 06 October 2000 Registration Expires: 05 October 2006

 

Data Controller: NATIONAL WESTMINSTER BANK PLC

Address:

135 BISHOPSGATE

LONDON

EC2M 3UR

 

These are the addresses that they have given the Information commissioner as addresses where DPA requests should be made, and so can be regarded as definitive for your purposes.

  • Confused 4

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 1 month later...

Hi All

 

Just to keep you all updated I have just spoken to Sir Fred Goodwin's PA and she has given me email contact details for Michael Duncan- Sir Fred's right hand man!

 

Email for all RBS and Natwest cases- [email protected], apparently he looks at all complaint letter and will intervene if he sees it to be necessary.

 

Here goes.......:D

 

Thanks

Lena

  • Confused 1
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I did a bit of a search about along with a friend of mine in the legal business and came across the complete NatWest/RBS Directors list....The Ones in black have a standard service address, couldn't dig any deeper, but the ones in Red are their actual home address!!

 

 

 

Company Secretary

MILLER ROY MCLEAN

* ***** ******

*********

**** ***

 

Directors

 

ARCHIBALD SINCLAIR HUNTER

36 St Andrews Square

Edinburgh

EH2 2AD

 

ROBERT AVISSON SCOTT

***********

*********

******

*****

****

 

PETER DENIS SUTHERLAND

*************

*********

******

 

 

LAWRENCE KINGSBAKER FISH

* as Hunter

 

COLIN ALEXANDER MASON BUCHAN

* as Hunter

 

JAMES MCGILL CURRIE

* as Hunter

 

STEPHEN ARTHUR ROBSON

*********

*********

****

********

 

 

JOSEPH PATRICK MACHALE

* as Hunter

 

FREDERICK ANDERSON GOODWIN

**********

********

********

 

 

GORDON FRANCIS PELL

* as Hunter

 

THOMAS FULTON WILSON MCKILLOP

************

*********

*******

******

 

 

CHARLES JOHN KOCH

* as Hunter

 

JANIS CAROL KONG

*as Hunter

 

GUY ROBERT WHITTAKER

*as Hunter

 

WILLIAM MICHAEL FRIEDRICH

Eagle House

108-110 Jermyn Street

London

SW1Y 6RP

 

JOHN ALASTAIR NIGEL CAMERON

*as Hunter

 

MARK ANDREW FISHER

*as Hunter

 

I think we may have stumbled across a little piece of golddust?

 

===MODERATED===

SORRY, HOME ADDRESSES ARE A NO-NO.

===bandit's personal edit===

I had a black one when it should have been red....

 

oh well, was worth a try :)

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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LolStevo

 

Send the DPA to

 

Mr Alex Lyons

Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

GOGARBUREN

P.O.Box 1000

EDINBURGH EH12 1HQ

 

and start a new thread so we can see how you get on :)

 

Bandit

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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  • 2 weeks later...

You make the cheque payable to NatWest, and you send it, along with your DPA request letter, to Alex Lyons. His/her address can be found on this thread (on Page 2, I think).

  • Confused 1

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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  • 3 weeks later...

Hi

Can anyone help? Im so confused to exactly where I send my letter asking back for charges to. I requested my statements over the telephone and got a standard letter from the customer care team whos address is

Customer lending centre

PO box 253

740 Waterside drive

Aztec west

Almondsbury

Bristol

BS99 1ET

 

Should I send it here or elsewhere???

 

many thanks

 

linz

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  • 2 weeks later...

because i'm in debt recovery office hands i was given this number to ring and didnt get charged for the statements 01952206114.

it might help if youre in the same state as i am

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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