Quinn v NatWest. *** WON ***

**quinny1** · 20th August 2006 17:22

Well,after reading this site,the time has come for the wife and me,to reclaim the stand and deliver fees,that the Natwest icon

have levied upon us,in all the years that we have had an account with them.

The S.A.R - (Subject access request icon

) letter has been drafted,and will be posted,recorded delivery,tomorrow,and the process will then begin.

An update will of course be posted,in accordance to the events as they unfold.

Could be an interesting one though,as we have had an account with them for 20 years.

Wish us luck.

Next stop:The Halifax icon

.

Ken.

Similar Threads:

**wendypowell62** · 21st August 2006 13:15

good luck quinny1. I sent my SAR icon

request to Nat West on the 28/7, still not heard anything.

**quinny1** · 21st August 2006 17:08

Thanks Wendy.

S.A.R sent today by recorded delivery,so I wll update once I know they've signed for it.

There's no going back now!!!!

Just been talking to a friend of mine,who was totally oblivious about all this,and he has asked for the link to the site,so I will be sending it to him.

Ken.

**chriswatkins** · 21st August 2006 17:17

good luck and tell your friend to sign up for emails from MoneySavingExpert.com ad-free, free to use, Consumer Revenge! so he can save even more money, thats martin lewis site

**quinny1** · 22nd August 2006 13:11

My S.A.R was delivered today,according to the Royal Mail website.

I quote:

Your item with reference DH*********GB was delivered from our EAST LONDON Delivery Office on 22/08/06.

The 40 days,start from now.

Ken.

**quinny1** · 1st September 2006 20:19

Well,I have an update.

Copies of the statements for the bank account arrived today,so fair play to them for getting them to our house in such a short space of time.

Unfortunately,because I'm working over the weekend,it will be Monday before the wife and I can go through them.

I'll let you know once we have done so,what amount they may owe us.

Ken.

**quinny1** · 1st September 2006 21:57

Change of plan.

She who must be obeyed,decided she wanted to go through them this evening,and we've come across £1195 in charges.

However,we now have to go back and re-check,and deduct the AG fees that we had,as at one point,the Nat West started to lump them together,and we will have to seperate them from the O/D fees,but we still reckon on them owing us circa £1000.

More later.........

Ken.

NATTIE · 1st September 2006 22:03

Have a look at the stickie on the NW thread should clarify it all for a definitive figure

**quinny1** · 14th September 2006 21:22

Update:

We've now sat down and calculated it all properly,and according to our figures,they owe us £985.

We've put it all together,using the spreadsheets,and will send it to Bishopgate tomorrow,and see what happens.

Ken.

**quinny1** · 21st September 2006 17:00

Further update:

Got the,'We are not to blame' letter today,and interestingly,one of the paragraphs in it reads:

'Having reviewed your accounts,I can find no instance where charges have been applied when they were not properly due.They have all beena ssociated with a lack of covering fundsin the accounts at the time items were presented with payment.Accordingly,the charges applied to your accounts,must stand.'

Furthermore:

'In your letter you have claimed that we have been acting as your fiduciary,yet I am unsure of the basis of your contention.This does not form part of the normal banker/customer relationship.'

I also note that they do not accept the OFT's findings,of the 5th of April.

So what is my next step,people?

Ken.

**orfoster** · 21st September 2006 17:25

Ok, get the letter together and send in the lba icon

letter which can be found in the templates library icon

in my signature at the bottom of this post. Send that in inluding the spreadsheet including all your calculations but not the 8% interest icon

as this is only claimable at court. You can send this LBA letter from now as they have responded to your intial letter.

**quinny1** · 21st September 2006 17:35

Thanks for that.It will be on it's way tomorrow.

Ken.

**quinny1** · 29th September 2006 17:13

Well,I'll say one thing,they're on the ball.

Got the 2nd 'Get lost' letter today form Stuart Higley again,and it reads like this:

Dear Mr Q.

Thank you for your letter of 25 September 2006.

I regret that there is little I can add constructively to my last letter and note your proposed course of action.I have alerted our lawyers and litigation department accordingly.May I please remind you that the address to use when initiating legal documents is that of our registered office below.

Thank you for letting me know of your intentions.

Yours sincerely

Stuart Higley.
Customer relations.

So now we've got to this point,what is my next course of action?

Ken.

**quinny1** · 30th September 2006 08:31

btt

**Michael Browne** · 30th September 2006 12:14

File at moneyclaim on the 9th Oct.

**quinny1** · 15th October 2006 20:26

Been away,and not been able to complete the MCOL.

Had a look at it,and it's so confusing,and mind boggling.

Can anyone assist me with it?

Thanks in anticipation.

Ken.

**Michael Browne** · 15th October 2006 20:32

Register at MCOL. You can save it at any time and then go back and amend anything before you press the final submit button. Note log-in details, password etc.

Fill it in anything you're unsure of come back and ask

**quinny1** · 15th October 2006 20:41

Got to the particulars of claim page.

What do I do now?

Ken.

**Michael Browne** · 15th October 2006 20:45

Ever heard of the bank templates library icon

?

http://www.consumeractiongroup.co.uk...lates-library/

**quinny1** · 15th October 2006 20:50

Yes been there.

When sending my original request to the bank,I did the spreadsheet,without the days accrued,and intrest charges,as advised,but when I now go to copy and paste the details to a new spreadsheet to include the days and interest icon

,it doesn't calculate them.Why?

Also,can I copy and paste this information to the MCOL page when I'm making the claim?

Ken.

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