Cerstin v Natwest**WON**

**cerstin** · 4th February 2007 16:08

Just a quick hi.... made the first step and managed to get all my statements from the last six years back from Nat West and have marked them all these awful charges bright pink. One question: obviously will try to get back the referral charges, but what about the unarranged borrow fees? They go from between £14 to £22 a month as well. Can I claim for those too?

Any help will be greatly appreciated!
Thanks, Cerstin

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**lee in wales** · 4th February 2007 16:32

hi cerstin you can claim for those charges see here for a full kist of what you can and can't claim for http://www.consumeractiongroup.co.uk...borrowing.html
just be careful if you have an advantage gold account remember to subtract those fee's from the a/c

good luck with your claim and keep us all posted on your progress

**cerstin** · 4th February 2007 18:13

Anybody else can't get to the spreadsheets? Signed up to the google doc and spreadsheets thing without any problem, but the link doesn't get me anywhere else...

Also, do you include the Nat West Unarranged Borrowing Fees interest icon

Charges when you make your claim? And I wasn't going to ask for the 8% interest at first. That's right, right?:-|

Sorry, so many questions, really want to get this right....!!!
Thanks, Cerstin

**cerstin** · 4th February 2007 18:15

THANKS LEE!
That really helped!
One step further....

All the Best!

**OldBear** · 4th February 2007 21:05

Hi cerstin,

As far as I know, Vampiress is redoing her spreadsheets at the moment, (not 100% sure, though). You could always use the spreadies in the library. http://www.consumeractiongroup.co.uk...eadsheets.html

As for the other part of your query:

Since you haven't stated whether you intend going after Contractual interest icon

or not, I'll let Nattie or one of the more experienced members help you with that one.

Good luck with your claim.

OB

**cerstin** · 4th February 2007 22:47

Thanks for that Old Bear!!

Only heard about contractual interest icon

for the first time today, so not quite sure what they are and how I can claim those!!! I think I have to spend more time on this site.... but if there is anyone out there who would like to enlighten me further?!?
Thanks so much again for taking the time to help me find those spreadsheets, I will take another look at them tomorrow and hopefully can work out how to enter my charges.
Cerstin

**ladybird17** · 4th February 2007 22:51

cerstin - have a read through the Q & A's and the step-by-step guide - you need to spend a bit of time on here doing a lot of reading, and you will soon get the gist of it.

**cerstin** · 5th February 2007 00:08

Hi again,
been driving me crazy for hours now, but I finally worked out that someone, probably Vampiress herself will have to invite me to use her chambers ie use her spreadsheets. And I'm dying to use them!!
Can anyone tell me how to get in touch with her?
Thanks a million (or in my case a thousand and a bit....)

**OldBear** · 5th February 2007 02:29

I wasn't lying to you earlier.

As previously stated in another thread: Vampiress's Chambers and spreadsheets are not available for now.

See this post by Bill-k for more details and a link to Excel versions of the same sheets. Bill-k is one of Vamp's sidekicks.

http://www.consumeractiongroup.co.uk...tml#post538210

OB

btw. You don't need an invite to view them when they are back up, but you will need a GMail address. If you don't have one and need a GMail invite, I can invite you if you PM me with an e-mail to send the invite to.

**Bigmac versus** · 5th February 2007 02:40

I believe they are being changed a bit at present but assured they are still available.

**cerstin** · 5th February 2007 11:41

Uh, thanks again! I'll read through that link as soon as I can OB! I'm just so thick when it comes to anything with figures and numbers.... maybe I'll just hand them over some more of my money

Will try to work out these spreadsheets again tonight.
Thanks again for your help!

**cerstin** · 6th February 2007 23:29

Sorry, must be getting on everyones nerves now! Finally got to the spreadies, but after first wanting to claim contractual interest icon

quickly realised I couldn't pull that one off. And I can't add the 8% APR on either, right???? So, now do I just send off a fairly simple spreadsheet listing my charges and fees with the dates and that's it?
Could someone please just say yes or no to that so that I can move one more step on?
Sorry to be so pathetic! Seems like I'm reading and reading and can't get anything in.... real blonde bimbo, don't do numbers

(but promise to donate icon

to this site if I ever get anywhere!!!!)

ian cognito · 6th February 2007 23:36

I assume from your post, you have another thread somewhere, please stick to one thread so people can offer consistant help and advice.

The 8% is added when you file your court claim so prior to that (prelim and lba icon

) you just state your charges, the reason for the charge and the date.

**cerstin** · 6th February 2007 23:40

Oops, thanks!!! Just charges it is then!
Yes, started two or three thread already, will continue on this one from now on and let you know how it it's going with the spreadsheet. Gulp...
Thanks again for the quick reply!

**OldBear** · 7th February 2007 00:06

Cerstin,

You could start a new thread icon

called Cerstin vs. Natwest icon

, and then PM a kindly Mod and ask them to merge all your other threads in to that one.

That way, everyone will know what you've already asked and also know where you are with your claim. Easier for them, easier for you.

OB

And, no, I'm not following you around, honest.

**cerstin** · 7th February 2007 00:09

Hi OB, okay! How do I PM a Mod? What is PM??
Just about figured out what a mod is.....

**OldBear** · 7th February 2007 00:15

At the bottom of the front page of the forum you can see all the users currently online. The names in Green are Mods.

Choose one and click their name; their Profile will show.

About half way down on the right, you should see a link saying, "Send a message to [their name]" Click that and away you go.

Hope this helps.

OB

btw. You won't get on anyone's nerves here. Everyone else here started as a new person at one time.

**steven4064** · 7th February 2007 00:15

PM = private message.

The easiest way (I think) to PM a mod is to find a post from a mod on a thread and then click their name or avatar. THis will bring up a page with an option to send a PM.

**muggins73** · 7th February 2007 00:28

Not usually a good idea to pm a moderator, as there are plenty of other people on this forum that have had a vast amount of experience whom are not only well equipped to deal with your query, but are also more than happy to assist

A moderator will normally only intervene when nobody else does so. They are busy people you know.
If you do not get a response straight away or indeed that doesn't truely answer your question then all you have to do is post again or meerly 'bump' a post, this way it appears at the top of list. someone is always around to help.
As you get more confident you can build up what is known as a buddy list. This enables you to add people to a list whom you deem are especially helpful 9mentioning no names, of course LOL!!). Simply click on the persons login name, the drop down menu gives you an option of adding them to your buddy list.
Hope this helps.

**cerstin** · 7th February 2007 00:30

Right! Thanks!!

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