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.
If you send your prelim letter with schedule of charges, you will probably find you get a response and offer within 21 days.
My wife has just got back £654 and we are now going for my sole account (not sure how much yet awaiting statements) and our joint account which is £1454.
There is a spreadsheet in the library that lets you enter them all in, adds them up (and interest if applicable) and also has a different sheet that adds on the 8% if you go to court...i think it is called schedule in there... its an xls file..
HSBC
09th June 2006 - Data Protection Act Request
21st June 2006 - Acknowledgement from HSBC
30th June 2006 - 33 letters arrive - 6yrs statements
01st July 2006 - Preliminary request for £2868.24.
12th July 2006 - HSBC offered me £1995, I declined.
17th July 2006 - LBA sent, now £2970
01st August 2006 - MCOL for £3778 (inc 8% + fees)
08th August 2006 - HSBC defending ....
31st August 2006 - SETTLED IN FULL - Wooooooohoooooo. Halifax
09th June 2006- Data Protection Act Request
22nd June 2006 - Acknowledgement from Halifax
08th July 2006 6yrs statements arrive.
10th July 2006 - Preliminary request for £1393.08.
21st July 2006 - Halifax offered £115, I declined..
24th July 2006 - LBA sent, now £1421.
08th August 2006 - MCOL for £1822 (inc 8% and fees)
16th August 2006 - SETTLED IN FULL - woooohoooo
hedgehog on your signature, it says HSBC defending, did they just say they were and not actually go through with it or did you go to court, i have similar fees and total amount, and I am 5 days into MCOL
HSBC :cry:
Data Protection Act sent 25/05 - statements received 06/07
First letter sent 07/07 - no response
Second letter sent 26/07 - 70% offer - refused
MCOL issued 01/09 - acknowledge 05/09.
First Direct
DPA sent 09/06 statements 22/06
First Letter sent 23/06 - settled in full 28/06
Timecard
DPA sent 04/08 statements 12/09
First Letter sent 12/09
Marbles
DPA sent 04/08 statements 24/08
First Letter sent 25/08 - refused to pay
Second Letter sent 26/08
well done they always say they are going to defend its just a staling tactic of theres
good luck
WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY
MY SUCCESSESS HSBC£5,735.35 MUM IN LAW £2112.00 WIN FROM HALIFAX :grin: MUM £3580.00 WIN FROM NatWest :grin: AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00 EQUITA BAILIFFS £293.00 REFUND :grin: MBNA £871.16 WON WITH CI AT 24.49% WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol CAP ONE WON WITH CI AT 29.9% £994.26
CLAIMS ON THE GO AT MO
mbna ppi
NatWest cc at mcol (ppi next)
welcome ppi
first response charges
IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU
Yes agree with Angela, they say that they are going to defend to the court as it then looks like they think they are in the right...reality, its just a brave face...stalling point, they dare not let it get to court and will pay up before then..If they pay up rather than stating they will defend first its like an admission of guilt!
HSBC
09th June 2006 - Data Protection Act Request
21st June 2006 - Acknowledgement from HSBC
30th June 2006 - 33 letters arrive - 6yrs statements
01st July 2006 - Preliminary request for £2868.24.
12th July 2006 - HSBC offered me £1995, I declined.
17th July 2006 - LBA sent, now £2970
01st August 2006 - MCOL for £3778 (inc 8% + fees)
08th August 2006 - HSBC defending ....
31st August 2006 - SETTLED IN FULL - Wooooooohoooooo. Halifax
09th June 2006- Data Protection Act Request
22nd June 2006 - Acknowledgement from Halifax
08th July 2006 6yrs statements arrive.
10th July 2006 - Preliminary request for £1393.08.
21st July 2006 - Halifax offered £115, I declined..
24th July 2006 - LBA sent, now £1421.
08th August 2006 - MCOL for £1822 (inc 8% and fees)
16th August 2006 - SETTLED IN FULL - woooohoooo
I have had two claims with Natwest, both of which have been paid. They haven't closed my accounts. Im sure you will be fine. Just follow the instructions here on the site and you will get your money back. They won't close your account. They need a good reason to do that.
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.
I'm not sure what prompted you to write to Sir Fred Goodwin. Please don't be disappointed. There is a step-by-step procudure in the FAQ's that works for almost everyone here.
I would read the FAQ's and also Natwest has never charges £34 to return a DD ever so I would suggest that getting a full list of statements on the account is your first priority. March to October this year should not take that long. Then go for the charges back
I opened a Step account with Natwest in February 2006 for my sole use.
After opening, there were a couple of DD's which cam out unexpecdately and let to 3 charges of £38.
I have wrote to customer services and birmingham collections centre without any response.
I received a notification of termination and my sole account has been removed from internet banking (which I think means closed!)
I tried to use my joint card in WHSmith last night and it was declined, my wife used hers and it went through.
I'm so angry! as thje only notification I have received is for my sole account
I really want to go to the branch to sort this out, but really need to know what the best route is. Ideally, I want access restored to my joint account and sole account with charges refunded.
Hello,
I find generally, and although they are money grabbing so-and-so's, if you take your problem to your branch customer service desk they more often than not help to make light of it all. If they are unable to rectify the problem(s) there and then, they will pass on what is known as a concern and their finance dept will deal with it. If you are not satisfied with the outcome of either of the above, it helps to pass the matter on to your branch manager direct, whom in my case, steps in and sorts things out a hell of alot quicker!! Failing this you can write to the customer relations manager in Borehamwood.
Hope this is of use to you.
Good luck.
Sorry to hear that they were of no use, maybe I'm one of the lucky ones that actually has a helpful member of staff within Natwest!!
If you still get no joy, and they ask you to write to them, here's their address for reference sake (Oh, and it's FREE)
Customer Relations Manager, Natwest, FREEPOST NAT12685, Borehamwood WD6 1BR.
Good luck.
Dont feel so down.
These things are meant to test us, or that's wot I keep telling myself, everytime I'm on a bit of a downer (which is more often than not, I can tell you!!!)
Chin up, it will all come good in the end.
I Won
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Originally Posted by lauratickleuk
CURRENT CLAIMS
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