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Hi All
I am about to start off on the road to recovering my money...
So I need to get statements for last 6 years.
However already slightly confused. Have read about claiming last 6 years as a first stage. seems sensible but the S.A.R. form template doesn't seem to reflect this..or am I wrong.
Do i need to adapt it in any way. It also talks about sending £10 but people on this Natwest forum talk about £5 again do I adapt the S.A.R or should I just send the form to head office as it is with £10 as per the step by step instructions.
Good Start!!!!!
P.S. Also just changed my account from Advantage Gold to Current Plus. Will this make any difference.
You don't need to put in dates as you can only claim back up to six years and that is what they will send.
Enclose £10 fee. They will probably send it back to you, but if you don't include it they may well use that as an excuse to delay compliance with your request.
Stick to the step by step guide and stick to your own timetable.
Regards, Rooster.
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Well I have sent off my Subject access request letter with £10 as suggested. so it's time to sit back and read more threads... I have also, as suggested in the FAQ's, opened a parachute account.
Went for Lloyds.. for no other reason than they are next door to my Nat West branch.. opened a bog standard account and didn't even need to deposit any money...
Just had to sit through the usual chat... Even got offered an account where I could pay £25 per month for service I don't need....
Declined that one....
Waiting for statements in antisipation..
Back to reading about all you other guys...and girls.....
Ok here is an update... I sent my Subject access request off on 22nd Jan 2007 With 40 days allowed as I understand it.. that takes me to sat 3rd march.... 2 days time... I have received statement for one account up to Jan 2000 ( I have requested 2 accounts) within a week...I received ..... usual thing I understand from other strings envelope riped apart then put in a plastic bag by the post office....
I have two days to go before the 40 days are up...
Did phone the lady in scotland shortly after receiving my first set of statments ( worried about missing statements, told the ones I have received were PRE and should wait for POST) but I have not been in contact since..
What should I do next... and when... Should I ring the Lady back She seemed nice and easy to talk to..... Some people seem to get things very quick others not.... just trying to get it right..
Well I had to phone scotland again and they said they don't know why the statements had not been sent, but would reorder them. finally got them wed 14th March.... Have trawled through them and found £683 in charges.
I have used the spreadsheets to work out the interest on these charges.
Comes to £93.67 so total claim is £776.67...
I have got the Prelim letter ready and attached the spreadsheet.
Just want to check I have the right address to send it to.
Customer Relations Unit
225 Shenley Road
Borehamwood
WD6 1TE
Well the Bank totally ignored me I sent prelim letter 15 days ago so allowing for delivery that would give them until Monday 2nd April i.e. tomorrow.. I have my lba ready so if I don’t receive a cheque in the post in the morning I will send that off again recorded delivery.
Just as an aside, has anyone claimed their postage cost back? If so, presumably this can only be done at court stage.!
I've never thought about the postage costs as part of the claim but I suppose it all adds up.I don't think I would have been brave enough to do it but let's see what other folks think
NatWest : £857.00 won! March/07
Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08
Natwest for my partner : £2,101.00 won! Feb/07
Studio Cards : Refund for admin charges £108 Won! Dec/07
Complaint made to FOS for P.P.I Jan/08
Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )
Littlewoods : defaulted on CCA request Feb/07
DCA's that crawled out from the woodwork and have crawled back : 28 so far!! My favourite link on CAG: Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums
I have a thought that in my SAR to the bank, I said that I would claim back the £10 Data Protection Act Subject access request fee, if I discovered that they had levied disproportionate penalties against me. Well I have so I’m going to claim that back.. as it is a cost to me. I am also thinking that that cost of sending letters to the bank are a cost that I would not have had, had the bank not charge me this charges in the first place… So to that end they are responsible for these costs and I should be able to claim them back as part of my costs. After all I can prove that this is a genuine cost to me and not some figure that makes me rich… Maybe I should charge for the paper and envelope as well !!! LOL….. But seriously at a £1 a time as you said It all adds up.
At the time when they do eventually come to settle with you , you can claim up to £9.50 per hour for all the work involved in letters and spreadsheets and getting court bundle together. So long as you are honest about what you are claiming, then you can claim for the work involved in your claim.
BTW where meeschac and abednigo................. . lol. Fendy xxx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
well It's gone passed the 14days since my lba plus a few days extra, thought I would give them more time to reply as it was over the bank holiday.... I know far to kind.. the court may look favorably towards me. Anyway you guessed it no reply totally ignored me.. So I am now about to make a claim on MCOL but before I do a couple of questions. The Banks Name and address is it my branch or head office or what address?
and what do I do about the attaching the schedule of charges or do I have to send this in the post.
Have looked at the N1 form but haven't been on MCOL yet hence my ignorance...
If using the MCOL route you'll have to forward your schedule seperately.
Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:
The Court Manager,
Money Claim Online
Northampton county court
21-27 St. Katharine's Street
Northampton
NN1 2LH
Dear Sir/Madam
(Your Name) –v- (Bank)
Claim No: ********
Date Issued: xx/xx/xx
Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).
I respectfully request that the enclosed schedule should be attached to the particulars of my claim.
Yours sincerely,
Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim
Dear Sir,
(Your Name) -v- (Bank)
Claim No: ********
Date Issued: xx/xx/xx
Please find enclosed a copy of my schedule of charges relating to the above claim.
Thanks for that Deller. As hedgey said great answer....
I am at work now but going to get down to making my claim tonight...
Thanks for your help
By the way fendy I think the other guys are still wandering around in the fire.... LOL
Well I came home logged on and went to MCOL. First of all couldn’t submit my claim as the particulars of claim was way to long.. used the template. So with a bit more research on the forum I found particulars of claim suitable for MCOL. I.e. short and sweet. However I am going to claim the £10 SAR fee as I said I would in my letter to the bank and also I am going to claim a small amount for stationary and postage. So tomorrow all being well I will go to the court and submit my N1 claim…
I have also used the time to prepare my allocation questionnaire and statement of evidence.. I am going to follow the advise and use the new, Draft Order for Directions. Most of the sections are OK but the statement is the sticking point I have modified the template a fair amount as I have never had any letters from the bank or had a DD or cheque stopped.. They have just charge me £30 to put the words referral charge on my statement. That of course is after charging me £28 for being over my overdraft limit. My claim is for less than £1,500 so I am presuming that I won’t need to pay the £100 aq fee.
Am I right in thinking that I sit back and wait until the court invoke the order request and then send all I have prepared, to both the court and Natwest solicitors?
shadrach v's NatWest ***WON***
.
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DUE TO WHAT LIFE DOES TO YOU. 
