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.
This is it, my letter to Natwest is printed and stamped, thanks to the excellent template posted in your library (with the exception of 1 sentence "This money would be used in some way to clear my overdraft on this account", which is none of their d*mned business what I do with the money the sods took off me in the 1st place )
I'm starting with Natwest, as they're the ones closest to the 6 yrs limit, but as things progress, I will be going for *deep breath*: Barclays Bank, Barclaycard, Halifax, 1st National, GE Capital in different incarnations, and I forget who else at the moment, but just wait until I get my archives down from the loft :twisted:
Will let you know how I get on as soon as I hear. I've just come off a nearly 2 yr long battle against my local education authorities to get specialist provision for my son, so I am more than ready to fight the corporate so-and-sos!
Good luck. I've launched my attack on Nat West this weekend as well. I think I can only get them for about 6 months of charges within the six year limit. After that they closed my account and gave me all sorts of grief but unfortunately probably not the sort of grief covered by the issues here.
I've also ploughed back through my archives this weekend, read this site and the other site in detail. As well as Nat West I'm firing off recorded delivery letters to Southern Pacific Mortgages, Abbey National x 2 and First National Bank. My rough calculation is that between 2000 and 2004 when I sorted myself out, these people between them charged me about £7k in various fees. I want it back with interest and, quite frankly some apologies.
If I could find a way of going back more than six years, I recckon that I'd be owed another couple of grand.
Thank you for taking the time to tell me about your concern. All concerns are important to me and I welcome the opportunity to address the issue raised.
I am not yet able to answer your concern fully, as I need to look into matters further. I will contact you again within the next 10 working days, either with a fulll response to your concern or to update you on the progress that I have made. However, if you need to speak to me regarding the matter, please contact me, or a member of my team, at the Wimbledon, Customer Lending Centre on 0845 300 9639 (Monday-Friday 09:00-17:00).
In the meantime, I enclose a leaflet, which explains our concern handling procedures for your information.
Yours sincerely,
Jenny Rolfe
Customer Care Team
Enclosure
Making things better - Customer Complaints
[*DEEP, DEEp sigh* ] Ah well... On to round 2, I guess...
Only points of interest: "after investigating your account transactions over the last 12 months, I can see no record of any charges being applied to your account. However I have found that you were refunded a charge of £28 on 15 March 2005".
Well, which is it? Are they now refunding me without charging me 1st? Dumbass!
Also: "i can see we have been issuing your monthly statements to your home address, should you require for duplicates [their atrocious grammar, not mine] of these statements to be issued to you again pls do not hesitate to contact one of our advisers who will be happy to order these for you. "[on an 0845 number, natch]
Finally: "I am sorry that you are very unhappy with the Bank's standard rate of charges and will be seeking advise [sic] from an external organisation, bla-bla-bla".Now that intrigues me, and I know that that never was in previous letters. I wonder what it could mean...
Of course, no mention of my DPA request, the fact that I asked for 6 yrs worth of info, not 12 months, the threat of lawsuit...
Right, on to letter before action then, and remind them the clock is ticking on dpa request. (I'm off to Venice at the weekend, so all lawsuits will be launched on return, they've just got 1 week reprieve thanks to that.)
Thank you for completely ignoring the contents of my previous letter.
1st point: I did not ask you to review our account for the last 12 months. I am perfectly aware that our account with you has not been an issue for the last 12 months, as we only use it as a back-up account, having moved all our business, including our mortgage to another lender 3 years ago, precisely because of the inept fashion in which you conduct business, and your letter is not about to prove me otherwise.
Incidentally, I would like to know how you justify the 2 following sentences: “I can see no record of any charges being applied to your account in the last 12 months” and “I have found that you were refunded a charge of £ 28 on 15 March 2005” in your letter?
2nd point: I asked you for our statements, or I should maybe have been less specific, a list of all transactions and charges applied to our account for the last 6 years. I did state that this was a request under the DPA, and as such, you have 40 days to comply. May I remind you that the clock is ticking and that as at today’s date, you have less than 25 days to comply.
3rd point: Would you like to clarify your statement that “I am sorry that you are unhappy with the Bank’s standard rate of charges and will be seeking advice from an external organisation”?
Which organisation would that be, and why would they be looking into your standard rate of charges? Please enlighten me.
4th and final point: I clearly stated in my letter that I was seeking recovery of the punitive charges applied to my account over the last 6 years, and gave you 7 days to comply within receipt of that first letter. As you have failed to do so, and are further indicating in this present letter that you have no intention of doing so, you leave me no choice but to start proceedings in the County Courts. You may of course halt these proceedings any time by paying me back aforementioned charges.
Please be aware, however, that once I have filed a county court claim, I shall also expect you to pay for my court costs and the 8% interest on the charges, as stated in my previous letter.
Yours sincerely,
xxxx
==================
AAAAAHHHHH, after so many years of going to them cap in hand, that feels GOOOOOOOOOOOOOD! :twisted:
Thank you for completely ignoring the contents of my previous letter.
1st point: I did not ask you to review our account for the last 12 months. I am perfectly aware that our account with you has not been an issue for the last 12 months, as we only use it as a back-up account, having moved all our business, including our mortgage to another lender 3 years ago, precisely because of the inept fashion in which you conduct business, and your letter is not about to prove me otherwise.
Incidentally, I would like to know how you justify the 2 following sentences: “I can see no record of any charges being applied to your account in the last 12 months” and “I have found that you were refunded a charge of £ 28 on 15 March 2005” in your letter?
2nd point: I asked you for our statements, or I should maybe have been less specific, a list of all transactions and charges applied to our account for the last 6 years. I did state that this was a request under the DPA, and as such, you have 40 days to comply. May I remind you that the clock is ticking and that as at today’s date, you have less than 25 days to comply.
3rd point: Would you like to clarify your statement that “I am sorry that you are unhappy with the Bank’s standard rate of charges and will be seeking advice from an external organisation”?
Which organisation would that be, and why would they be looking into your standard rate of charges? Please enlighten me.
4th and final point: I clearly stated in my letter that I was seeking recovery of the punitive charges applied to my account over the last 6 years, and gave you 7 days to comply within receipt of that first letter. As you have failed to do so, and are further indicating in this present letter that you have no intention of doing so, you leave me no choice but to start proceedings in the County Courts. You may of course halt these proceedings any time by paying me back aforementioned charges.
Please be aware, however, that once I have filed a county court claim, I shall also expect you to pay for my court costs and the 8% interest on the charges, as stated in my previous letter.
Yours sincerely,
xxxx
==================
AAAAAHHHHH, after so many years of going to them cap in hand, that feels GOOOOOOOOOOOOOD! :twisted:
You could tell them that you also will be seeking advice from an external organisation - HM Courts Service :twisted:
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
You could tell them that you also will be seeking advice from an external organisation - HM Courts Service :twisted:
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Hi
Want to send a letter for my wife...what is the best address for stage 1??
also
I used to work for Natwest(I know,I know) but in mortgages, but knew and still know a lot of the premium and bank managers.Believe it or not the are in the main nice people who are being constantly hit over the head by Natwest to achieve unreasonale targets.They are told not to refund charges and in fact are pushed to charge more for(business)overdarft renews and biz loans.Most of these people are there becuae they have been tied in just like customers are with charges.
I personaaly found Natwest ok to work for before RBS took over.They are not run by senior manager without the first idea or care about customer service...it is all sales,sales,sales!!!
rant over.
PM me if you need any natwest inside info and I will try and help.
Hi
Want to send a letter for my wife...what is the best address for stage 1??
also
I used to work for Natwest(I know,I know) but in mortgages, but knew and still know a lot of the premium and bank managers.Believe it or not the are in the main nice people who are being constantly hit over the head by Natwest to achieve unreasonale targets.They are told not to refund charges and in fact are pushed to charge more for(business)overdarft renews and biz loans.Most of these people are there becuae they have been tied in just like customers are with charges.
I personaaly found Natwest ok to work for before RBS took over.They are not run by senior manager without the first idea or care about customer service...it is all sales,sales,sales!!!
rant over.
PM me if you need any natwest inside info and I will try and help.
You are hijacking an existing thread. This makes mnore work for people who advise you and for those who want to follow your story. DON'T DO IT
You may atone buy contributing to our law book fund. Click the www below this post
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
That's fine - what about the law book contribution?
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Blah-di-blah-blah... I've had 2 further letters now, one saying they're looking into it, another to say "charges are fair, reasonable and transparent ... we're satisfied complies with all applicable laws and regulations... committed to ensuring the transparency of the information we give to our customers..." etc, and so on, ad nauseam...
Funny bit: "Against that background, we must differ with the views expressed in your letter"
Relevant bit: "As you have requested, I have arranged for your account statements for the last 6 yrs to be ordered, these will be sent to your home address shortly".
(They'd better hurry, time is ticking!)
Apologies to people who I was in the process of helping, I may be gone some time.
Relevant bit: "As you have requested, I have arranged for your account statements for the last 6 yrs to be ordered, these will be sent to your home address shortly".
And they can't even get their own stuff right!!!!
Just received post, statements going back to ...... ? Yep, 2002! ARRRRGGGGHHHHHH!!!!!!!
I'm off to phone them to find out if there is the slightest chance a 2nd batch is on its way?
Apologies to people who I was in the process of helping, I may be gone some time.
The reason given is that info from 2002 is quicker to retrieve, due to change in system, and the rest should be coming in the next few days. So anyone else awaiting on NWB, take note.
Apologies to people who I was in the process of helping, I may be gone some time.
Out of the goodness of my heart, I phoned NW today to remind them that they have now 3 days left to send me the rest of my info or I would report them to the IC for non-compliance. Oh dear...
Chap I spoke to said: I see the downloaded letter you've sent us, yes.
Me: Sorry, it's not a downloaded letter.
Him: (patronising snicker): Oh? Well, we're getting a lot of identical ones at the moment, all coming from the same site.
Me: Well, I am a contributor to that site, and I don't download the letters, I create them for others to download. [sorry, B/F and Dave, couldn't resist :P ]
Him: .... *total and long silence*... erm... well, anyway, I'll order the info for you.
Me: Well, that's fine, but remember you have had 37 days now, so if it's not with me within 3 days, I shall report you to the IC for non-compliance. You've had plenty of time, so it's really not my problem, is it?
Him: Well, I'll tell you what, I'll order them to be sent here to me, and send them myself, and phone you as soon as I have them, would that be ok?
Me: (sweetly) Yes, that's fine, thank you for your help.
*hangs up, does little triumphant dance around house* OOOOOOHHHHH, THE POWER!!!!!!!!!!!!!!!!!!!! !! :twisted: :twisted:
Apologies to people who I was in the process of helping, I may be gone some time.
Bookworm v NWB - I'VE WON AND IT'S OFFICIAL!!!
is printed and stamped, thanks to the excellent template posted in your library (with the exception of 1 sentence "This money would be used in some way to clear my overdraft
)
Reply With Quote
] Ah well... On to round 2, I guess...
)
Originally Posted by BankFodder
