Loz vs NatWest ** WON **

**loz** · 22nd August 2006 15:29

Oh boy, where to start with this one..?
Firstly, I sent my DPA request three weeks ago but stupidly forgot about recorded mail. I hope I haven't wasted my time there

I had my Natwest icon

account from student days, and they allowed me a £2k overdraft icon

facility. They offered me a graduate loan, and even though I was temping I was confident that a proper job was forthcoming and took a £5k loan. With hindsight this was foolish, and they should not have allowed this given my work situation, but I guess I shouldn't have taken it either.

Within a few months I was no longer getting decent hours from the agency, my account terms changed from graduate to current, the loan was gone to pay the bills, and I was being charged by NatWest, making the problem worse. A couple of weeks on the trot they charged me far more than my pay packet, meaning I could not even afford to fill the car up to get to work or buy a can of beans to live on. I got my pay put into another account, I argued with NatWest and pretty much walked away from the bank/loan accounts. I didn't know what else to do. In February 2004 they notified me of their intention to file a default; I called and asked them to help me (ha!) and it seems that they went as far as (randomly) refunding some charges, but obviously it was far too late. They notified me again in April 2004 that they would file a default, and eventually I persuaded them to accept £100 per month into the current account.

I have kept this up ever since, and have received zero correspondence from NatWest, not even statements. Last month I got a mini-statement on the current account and found I am being charged £28 per month of the £100 I pay in, reasons unclear at this stage. I have no idea as yet what the status of the loan account is.

What I want to know is, whether I get a response to my DPA request or not, am I not entitled to the statements for the past 2½ years FOC icon

anyway? I guess I should give them a call on both subjects...

Similar Threads:

**loz** · 22nd August 2006 17:25

Nearly forgot..

Can I claim for a "default notice fee" of £30? They might argue whether I would have incurred these anyway, regardless of their penalty charges, but I want every penny I can have from these [insert profanity here].

Loz

**loz** · 24th August 2006 11:43

What I want to know is, whether I get a response to my Data Protection Act request or not, am I not entitled to the statements for the past 2½ years FOC icon

anyway?

Anyone? Staffmember?

An interesting sidenote, I checked my credit record online and could not see any mention of Natwest icon

's name anywhere on it - despite their threats to file a default.

Loz

**chriswatkins** · 24th August 2006 11:53

yes you can claim the default fee

**loz** · 24th August 2006 14:41

Aye I realised.. bit of a blonde moment there *slaps head*

Loz

**chriswatkins** · 24th August 2006 14:45

lol

NATTIE · 24th August 2006 18:14

Sorry for not responding earlier and yes chris is right. Good Luck

**loz** · 24th August 2006 19:10

Thanks, apologies if i sounded like I expected you to put the world to rights!

Loz

**loz** · 25th August 2006 23:07

Quick update - they obviously received my request since the first batch of statements arrived today, July 2000 to October 2002. (I already have these, which is beside the point)

Looking forward to the rest of them so the fun can begin!

Loz (also expecting details of some manual intervention, well they did threaten to default me...)

**loz** · 29th August 2006 11:40

Second (and presumably final) batch of statements received, time to do some sums... Intrigued about the charges I've had since I last received a statement; none at all from 31/3/04 to 31/5/05, but £28 every month since then. No idea what that's all about, since as stated above I have had no correspondence with Natwest icon

during that period.

One question: several entries are marked "Automated Credit / Loz / MBA" - anyone know what MBA means?

Loz

NATTIE · 29th August 2006 19:02

"loz MBA" are not charges may be worth a visit to the branch to ask, but the £28 IS as that is unarranged borrowing

**loz** · 5th September 2006 13:34

Sending prelim request today:

"Dear Natwest icon

,
Please refund my £1183. That is all.
Loz."

Or words to that effect.

**chriswatkins** · 5th September 2006 13:41

good luck Loz, be prepared for all the messing about and bog off letters and time wasting you will get from Natwest icon

and then Cobbetts

**loz** · 25th September 2006 11:20

OK 14 days was up last week and I've had no reply. Am debating whether to send lba icon

immediately (so as to negate their time wasting as much as possible) or wait another week so I can add another £28 which I expect to be charged on 30/9/06, anyone any thoughts?

Loz

**loz** · 9th October 2006 18:03

Over the weekend I got the standard reply from Stuart Higley - "there is little I can add constructively to my last letter" etc etc - though this is the first response I have had from them.

MCOL here I come! Anyone any advice at this stage?
Loz.

**windchest** · 9th October 2006 21:50

Hi,
As there is a deal of controversy about the amount of text you can put on the MCOL form, ( POC icon

), I would recommend you going down the N1 route, Deal with your local CC.
Does anyone agree ? or is this just " Bull ".

**loz** · 11th October 2006 16:43

Filled out MCOL today, a grand total of £1405-71 including the 8% interest. That will clear my outstanding overdraft icon

nicely, and probably my HSBC icon

overdraft too. I just hope they don't drag it out... :-/

Loz

**loz** · 14th November 2006 21:53

Quel surprise, they filed a defence at the last minute...

I wonder how long they can drag this out for? Gits.

Loz

**The cobbett slayer** · 14th November 2006 21:55

Did you get a part 18 icon

request with the defence?

**loz** · 14th November 2006 22:04

That will probably arrive in the post tomorrow - I just checked MCOL to see if I could apply for a default judgement (28 days is up today) and saw a defence has been filed..

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