Sage Business Charges Reclaim - **WON**

**katesage** · 9th October 2006 09:27

New thread for a new claim!

Finally spoke to Margaret at NW to ask why I havnt received a complete set of business statements as requested on June 14th!

I received four pages from 2004 but nothing else. Margaret agreed to send the complete set within 5-10 days.

I sent off a DPA for this on 7th June but NW stopped the cheque and charged me £5 instead, when I phoned them to chase personal/cc and biz. In my opinion the SAR icon

request would still be valid though. So as things stand they are very much in breach of the DPA.

However, I am going to try a slightly different tack with this claim, so unless statements DONT arrrive I shall not pursue DPA non compliance at this stage.

I am going to try and request NW supply me with invoices for these 'Service Charges', I am also going to point out that as I have claimed (soon to be successfully) on my personal account, if I am refunded theses charges in the future then this creates a 'tax situation'. At the moment as far as I'm aware, bank charges are deducted from my tax burden. No invoices are provided, so how does one justify them to the tax man? If they are refunded, I will possibly have to pay some tax?

Anyway comments and support always appreciated.

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**katesage** · 14th October 2006 10:28

Hmmmmmmm........

Today received 7 pages from 2006, presumably to add to the 5 pages from 2004 (received june).

So far out of 43 statement pages, I am missing 31!

Not too good. May have to pursue DPA if they keep this up.:grin:

**katesage** · 7th November 2006 15:11

Just spoke to Sufyaan at NW who was really helpful and polite. Mystified at non arrival of statements and has reordered them again.....
fingers crossed they will arrive soon but in the meantime i'm off to brush up on DPA non compliance. 5 months of waiting is slightly more than the 40 day limit! That much i do know:grin:

**Shelty** · 7th November 2006 15:46

Hi Kate,
I've banked my NW cheque from Cobbetts for my personal a/c which arrived this morning, and am thinking about doing a small claim icon

for a business we had a couple of years ago. I've got all of my statements, but do you know if the wording is any different in the approach letters for a business account?
ps NW credit cards also caved in this morning to my requests....perhaps a trend is emerging here !!!

**katesage** · 7th November 2006 15:52

hi shelty..great minds eh!? i banked my personal cheque yesterday!

there are some differences, mainly we cannot refer to Consumer legislation in our letters, because we are not consumers, we are businesses!

there are letters for this in templates. i'm off to have a better read. keep me posted of your progress.

**Shelty** · 8th November 2006 10:18

Hi Kate, did you manage to find a template for an initial letter for your business a/c, I can only find a lba icon

template?

**katesage** · 8th November 2006 10:25

Hi Shelty

I will probably just amend the template lba icon

and send it as a prelim, shouldn't be too tricky. Are you at that stage?
I wish I was..............if only they would send the statements! well they have one more week before I take it further

Congratulations on your win btw

**Shelty** · 8th November 2006 10:30

I've managed to work out my charges from the statements, although I came across one which read "Arrangement fee" £85....no idea what that was for ?
The rest are all marked as "Referral fee"/"Chq return fee" & "unpaid items" so I'm assuming that they're ok ? What do you think ?

**katesage** · 8th November 2006 10:42

Arrangement fees are for 'arranging' overdrafts. you lucky blighter, my last arrangement fee was £125.

As this is for a service (admittedly expensive:grin: ) it is not reclaimable because it did not come about due to any contractual breaches.

On second thoughts regarding the prelim letter. I just re-read the consumer version and it would work fine as long as any mention of 'Consumer' is removed, ie recent legislation and findings by the OFT.

Thankfully the main basis of our reclaiming these charges is not the April 06 OFT findings but due to the banks flagrant breach of Contract Law, ie charging 'penalties' for our 'breaches', so we are not relying on the recent OFT rulings to guide us home.

keep me posted;-)

**katesage** · 11th November 2006 10:05

Hooray....finally!

Statements arrived this morning. Charges total £855. Bizarrely only £70 of that constituted rejected DDs, the rest is made up of Referral fees.

off to write that prelim

Scarletrose · 11th November 2006 10:38

Hi Kate

you go girl, hit 'em where it hurts, unbelievable that the referral fees made up most of that total, but thats snatchwest for ya.

just been rading thru the 'wot r u like ' thread in bear garden fantastic aint it, consideing posting myself however i live under police protaction so i dunno if a good idea.

scarlet

**katesage** · 11th November 2006 10:56

Originally Posted by Scarletrose

Hi Kate

you go girl, hit 'em where it hurts, unbelievable that the referral fees made up most of that total, but thats snatchwest for ya.

just been rading thru the 'wot r u like ' thread in bear garden fantastic aint it, consideing posting myself however i live under police protaction so i dunno if a good idea.

scarlet

PMSL! You go girl too! tell us all about it!

**Shelty** · 23rd November 2006 12:53

Hi Kate, have you managed to get a response from NW yet ? It's 2 weeks tomorrow since I wrote to the gut who was my Business Mngr & not a dicky back !

**jax1964** · 29th November 2006 09:39

Good luck Kate. I am also claiming for charges on my business account, fortunately I have all of the statements and so have sent prelim and lba icon

. Their reply is basically saying there are different terms and conditions for business accounts and therefore we cannot claim. Ha - they're having a laugh. However I didn't know what referral fees were and so I haven't included them in my schedule so will go throu my statements again and add them fees in also. BTW got back charges from Natwest personal account and credit card so am hoping I can use that as leverage to get them to cough up a bit earlier - not holding my breath though as this business one is a much larger claim and I am hoping to get contractual interest icon

also.

**katesage** · 29th November 2006 10:05

Hi Jax and Shelty

I only got round to sending off my prelim on the 24th so they've got till 7th December to reply. Like you Jax Ive just reclaimed charges from my personal account but somehow I doubt that will act as much leverage.

Good luck to you both and keep me posted of your progress.

**katesage** · 5th December 2006 08:51

Well I still haven't heard anything back at all from Natwest icon

, they have till thursday. In the meantime I am going to prepare the lba icon

ready for posting.

**katesage** · 5th December 2006 13:53

Well, ignore the above.........!

Just got back to find letter from Natwest icon

......

offering full refund of all charges!!!!!

Yeeeeaaaaaaaahhhhhhhh!

That was short but sweet.

VICTORY!

Scarletrose · 5th December 2006 14:00

Congratulations Kate,
i'm so pleased for you another victory well done!!!!!

from Scarlet

**jax1964** · 5th December 2006 14:21

That's fantastic news Kate. Well done. Wish they were that accomodating to me.

**walterliscious** · 5th December 2006 21:22

Well done Kate, keep on inspiring! Does this mean they are caving in do you think? Im just about to send prelim. on my business account, maybe I should just go in there and ask for the money they have taken !!

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