ArnoldJRimmer vs Natwest **WON**

**arnoldjrimmer** · 20th October 2006 13:32

Well here goes, DPA letter sent today to Alex Lyons...

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NATTIE · 20th October 2006 20:22

Welcome to the CAG icon

and while you are waiting a response prepare yourself by reading the Natwest icon

successes which will give you confidence for the battle ahead which you WILL win. Good Luck

**arnoldjrimmer** · 20th October 2006 23:27

Thanks!

I've been annoyed at Natwest icon

for years for the amount they've charged me for everything. I changed to Halifax icon

a couple of years ago only to find they're just as bad, so I'm going for them too!

I now have a great feeling of empowerment after reading this site, especially the Toilet_Bandit saga which really inspired me.

**dantracey** · 20th October 2006 23:31

good luck arnold mine went today as well

**arnoldjrimmer** · 20th October 2006 23:33

Thanks dantracey, good luck to you too!

**arnoldjrimmer** · 24th October 2006 17:55

I had my first reply today, the standard letter from Joyce Tudor saying that the statements will be sent to me as soon as possible. It also has the bit about manual intervention, i.e. they are part of the standard T&Cs etc.

NATTIE · 24th October 2006 18:55

Manual intervention- it can happen but on charges very rarely does

**arnoldjrimmer** · 28th October 2006 11:00

My statements arrived today in the often mentioned tatty brown envelope. It had large rips in three different places and was only just holding together. Absolutely disgraceful that they send them out like that.

It's going to take me quite a while to go through them all. I notice they've only sent the last six years' worth even though the request was for my entire banking history. Does the DPA have a six year limit as well?

I've still heard nothing from the Halifax icon

. At least Natwest icon

have been fairly quick.

**dantracey** · 28th October 2006 18:30

Hi Arnold i got mine today too, had a quick look through,so i guess where going to be busy peeps this weekend..lol

Tracey

**arnoldjrimmer** · 30th October 2006 10:54

Well I went through them all yesterday and Natwest icon

owe me £903 plus £74.70 for the interest they charged me. I'll be sending letter 2 off today but just wanted to confirm a couple of things:

1. I assume all correspondance ahould now go to the head office address?
2. I was reading through the long thread on contractual interest and I think I will try to claim for that at their overdraft icon

rate of 14.99%. If I read correctly I do not add this to my claim at this stage, only the interest which they actually charged me. Is that right?

AJR

**arnoldjrimmer** · 30th October 2006 16:49

OK I've spent the whole day reading the site and I think I've answered my own questions! I've nicked the contractual interest icon

section from Mcuth's prelim letter and decided to go the whole hog and request the unauthorised borrowing rate as well. I modified Vampiress's complex excel spreadsheet to calculate compounded contractual interest on both the fees and the interest I've paid on them.

So here's what I'm about to send them:

[deleted]

Does that look OK?
AJR

MOD NOTE: Please do not post letter templates on the forum

**arnoldjrimmer** · 31st October 2006 12:42

Hmm well I decided to chicken out of claiming the unauthorised overdraft icon

rate after reading some of Zootscoot's posts. I'm going for the credit zone overdraft rate of 17.14% instead...

**arnoldjrimmer** · 9th November 2006 11:19

Just received the standard Bog Off letter from Stuart Higley. Time to start writing the lba icon

!

**arnoldjrimmer** · 9th November 2006 11:25

Just out of interest icon

, how come my signature icon

isn't showing up any more? Too long?

**Deller** · 9th November 2006 12:47

I've noticed this too, and no its not just your signature icon

. I know the site was down last night for maintainence perhaps that has something to do with it.

I sure someone will enlighten us!!

**ataction** · 9th November 2006 12:51

Just an enquiry regarding interest icon

. Anyone had success on the contractual interest rate claim? I need to research this.

**arnoldjrimmer** · 14th November 2006 10:16

2nd Bog Off letter received this morning from Mr Higley. Off to court we go then!

**arnoldjrimmer** · 14th November 2006 10:36

Originally Posted by ataction

Just an enquiry regarding interest icon

. Anyone had success on the contractual interest rate claim? I need to research this.

There have been some, see GaryH's post. The reason I decided to go for it is that the banks are all settling before it gets to court, so I don't see how they can argue against it. If they don't want it to go to court, they have to pay up!

**gizmo111** · 14th November 2006 14:52

Originally Posted by arnoldjrimmer

There have been some, see GaryH's post. The reason I decided to go for it is that the banks are all settling before it gets to court, so I don't see how they can argue against it. If they don't want it to go to court, they have to pay up!

Nat west paid haydn charges and he is now left with having to argue in court over the contractual interest icon

- thread is in the mercantile court forum.

**arnoldjrimmer** · 14th November 2006 20:16

Originally Posted by arnoldjrimmer

So here's what I'm about to send them:

[deleted]

Does that look OK?
AJR

MOD NOTE: Please do not post letter templates on the forum

Sorry I didn't know about that rule. It wasn't a standard template as it included a contractual interest icon

claim.

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