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.
Oh am I ready to do battle now I know that it's not only ME against the might of the Natwest.
I have so often been into my branch to try and sort things out only for them to raise the overdraft limit which has only led to more debt for me and more charges for their profits.
Sending letter requesting info tomorrow.
When I win this a donation to this helpful and friendly site is the first thing on the list - closely followed by paying off the debt that NatWest has caused.
Has anyone found that NatWest are in the habit of closing your account once you rock the boat as I am a bit worried about being able to open a new account with a poor credit rating.
DAP letter sent 070806 = 40 days = 160906 - Bring it on!
Prelim Letter sent 290906 = 14 days = 131006
Oh am I ready to do battle now I know that it's not only ME against the might of the Natwest.
I have so often been into my branch to try and sort things out only for them to raise the overdraft limit which has only led to more debt for me and more charges for their profits.
Sending letter requesting info tomorrow.
When I win this a donation to this helpful and friendly site is the first thing on the list - closely followed by paying off the debt that NatWest has caused.
Has anyone found that NatWest are in the habit of closing your account once you rock the boat as I am a bit worried about being able to open a new account with a poor credit rating.
Hello Trudianne!
I'll be going after our (my partner's and mine) NatWest money from tomorrow on, too! At first I wanted to get Barclaycard done, but now I think: why wait?
I've done quite a bit of reading on this truly wonderful site, and people more in the know than me say that the banks usually don't close your account, and if they did want to thay'd have to give you 1 month notice. Having said that: they also recommend opening a "parachute" account just in case. So maybe you'd want to do that.
Anyway, just wanted to let you know that you're definitely not alone in this one! Just look through the success stories, very encouraging!!!
NatWest - here we come!
Whatever I post is just my opinion, no more, no less!
......................... ......................... ................... NatWest=>settled in full, no strings! NatWest creditcard=>settled in full, no strings!
Go for it! Natwest must be vety worried when they read this forum. I'm sure the Natwest area is growing bigger and bigger. 1st step: know how much you've been charged over the last 6 years. Look at your statements or make a data protection act request (known as a Subject access request or SAR) and count em' up.
If you read the RBS group plc interim report, they aren't worried but.......
Good luck guys and please do not post tomorrow that branch staff were surprised but do mention the site though.
Well that's it - first step taken, have written requesting statements etc. We'll see how long that takes.
Strange how empowered you feel just by making the decision to go for it.
Tracey - good to know someone else is at same stage as us - let me know how you fare. At the moment I still think that I'm going to be "the one" who ends up in BIG trouble for asking for what is our money!
Don't panic, i think most of us feel like that. My worry is that the courts will decide an outcome before things get to court and will stop all this but im sure this won't happen, we will all have to cross our fingers, im sure we will all be fine.
My advice is only my opinion, I am not a legal expert.
IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.
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
Hi Trudianne
Thanks fro your message it won't be you that gets into trouble i'm sure it will be me. I think they will owe me about £6000 i can't beleive that i am ever going to get any money from them only grief!! as normal. Really glad i have found someone that is at the same stage as me, as i am sure we will need to support one another.
Good luck and please stay in contact
Tracey
7.8.06 sent S.A.R - (Subject Access Request) off to Edinburgh recorded del. 16th Sept. times up!! for them to comply. 8.8.06 SAR letter signed for
Oh am I ready to do battle now I know that it's not only ME against the might of the Natwest.
I have so often been into my branch to try and sort things out only for them to raise the overdraft limit which has only led to more debt for me and more charges for their profits.
Sending letter requesting info tomorrow.
When I win this a donation to this helpful and friendly site is the first thing on the list - closely followed by paying off the debt that NatWest has caused.
Has anyone found that NatWest are in the habit of closing your account once you rock the boat as I am a bit worried about being able to open a new account with a poor credit rating.
DAP letter sent 070806 = 40 days = 160906 - Bring it on!
Hi Trudianne
I'm at the same stage as you - requested statements.
I managed to open a basic card/cash account through Barclays with no frills. I also had a similar offer from Alliance & Leicester. I chose Barclays because the Co. I work for bank with them. (Personally, I think all banks are Robbers!) I also have a poor credit rating because I apparently owe money to Reader's Digest for a book I have NEVER received!
So GO FOR IT and Good Luck to us both.
Best wishes, Mari
Thanks for that we have both A&L and Barclays locally so will go in to enquire.
I agree they all have their faults but it would be nice to be able to start with a "clean slate" and hopefully not get into the VICIOUS cycle of charges/overdraft etc etc.
Good luck to us all and BRING IT ON I can't wait for the tatty brown envelope(s) to arrive and to really get going on this!
From what I've read over the past few days on here....
Did your written request clearly contain all vital account information? i.e. Account Number, Sort Code, Account Name, and (with a cherry on top) your Branch Address?
The reason I ask is that I've seen some postings where nothing has happened with just an account number supplied.
I've seen other postings where Natwest have waited until the 11th hour before responding. I see you sent your request by recorded delivery and you have about a week left.
If you are still worried, call them and find out what is happeneing with your request.
If you've done all this and the 40 days comes and goes, then report them!
Good Luck
Ned
PS. I'm sending my S.A.R. again - as I forgot to include all vital account info and my £10.00 payment - durrrrr.....
************************* ******** NatWest Advantage Premier Account
01-09-2006 - S.A.R - (Subject Access Request) sent
04-09-2006 - NW respond asking for fee
09-09-2006 - New S.A.R and fee sent
23-09-2006 - Statements received
************************* ******** IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU
Thanks - I did give them every last bit of info so I think a phone call might be the way to go. As you say if they don't arrive I will report them but does that then mean I can go no further....
I'm sure you know what it's like - I'm straining at the leash to go and get 'em! I know they owe me BIG time!
Thanks for the support and make sure you send everything with your SARs this time!!!
Hi there comrades!***WON***
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Originally Posted by Trudianne
Re: Hi there comrades!
