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I am about to send in a SAR. I had an Advantage Gold just before Christmas but now have just a current account. I have received charges while on both of these types of accounts. Will the charges be dealt with separatley or all as one.
While you're waiting on your statements, Callum, have a read of Nattie's post about Adv Gold. You may need to separate the (unclaimable) monthly fee from the charges.
Please read the Stickies and FAQs. Your question may have been answered already.
Old Bear vs. NatWest - won after first letter £600
Mrs Bear vs. Studio - won after first letter £360
Old Bear vs. Abbey - won after first letter - only £50, but it's the principle
Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow
Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007
Sorry i picked this one late, with an advatage gold account when it is converted, apart from the type of account you have, nothing else changes so account number would be the same. SAR is 40 days max so we could be going overtime with this.
I got my statements today. I've gone through and calculated £1,328. I am a bit confused, on the statements it will say above almost every charge, interest - then an amount usualy in the £5.00 region. I haven't been adding this amount on, should I, and if so do I just add it to the amount of the charge below it.
Hi Callum, if i'm reading your post correctly - I'd assume the interest is what you're being charged for going overdraw/over your overdraft. If this is the case, you need to download one of the interest calculation spreadsheets if you'd like to claim this back. Basically, you can claim back the interest on the charges only - not the interest for any agreed overdraft that you may have. It's complicated to work out - but worthwhile if it's a few extra quid! Good luck, hedgey xxx
Slightly annoying but yesterday I sent off my lba. Guess what? ....I get home and check my post and I recieved a letter from Natwest! Sods Law!!!
Anyway I'm quite concerned now as the opening line to the LBA is " I am very disappointed you have failed to respond to my letter dated 1st May 2007"
There letter says
"Thank you for your recent letter regarding the fees applied to the account. We are currently considering your claim. Given the work involved in assesing your claim we anticipate that we will be in a position to respond within 6-7 weeks, but will endeavour to do so sooner if we are able"
Should I write another letter and address it to the guy from Natwest explaining I've sent a letter with a 14 day deadline before filling a court case, or should I just leave it as it is and just start counting down the 14 days.
You are too generous. Simply ignore their letter. They will receive your 14 days deadline on your lba. Let them worry about it. The idea of 6-7 weeks of investigating your claim is a fob off.
Prepare for your court action after 14 days, waiting for 7 weeks is not recommended. That is their formula to delay things as much as possible.
I love the way they try and delay things. I think they think we will suddenly give in.
I actually went all the way with Barclays and it got to the sending off of the court bundle stage until they emailed me with a settlement, so I know how much they love to hold out!!!
I'm doing this for a friend but he does not really want to go to the court stage unfortunalely as he cannot afford the fees although you get them back. I've tried persuading him but he'd like to just take the offer (if they give one that is). I wonder how many people have done the same and the banks are laughing by getting away with only giving half the money back!!!!
It doesn't matter if your friend can't afford to file at court straight away, he can wait till he's got the money to do it, I'm in the same position myself. He can always file later on. A lot of people are having to wait the 8 weeks out for the same reason. Sometimes Natwest are coming up with full amount offers, he might be lucky.
I love the way they try and delay things. I think they think we will suddenly give in.
Obviously thewy don't read this site or they'd know with what respect they are viewed!!
Steven
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GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Account Switch**WON**
. I had an Advantage Gold just before Christmas but now have just a current account. I have received charges while on both of these types of accounts. Will the charges be dealt with separatley or all as one.
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Originally Posted by callum.golding
