Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
So that I can just keep to one thread now, I thought I'd better start this one.
I've had great advice so far from Muggins and Nattie and many others, although I'm still at the stages of getting my interest charges together and that is really confusing me - there are interest deductions from times when I wasn't overdrawn, mysterious unspecified 'charges' even when my account was fine so HUGELY confused.
Am using the complex bank charges template, but not sure what I'm doing to be perfectly honest!
Am I right in NOT claiming for advantage gold fees (£6,£9,£12)??
Is anyone else struggling with this bit, it'd be great to help eachother out.
So far, I'm going through this with a fine tooth comb, I've found numerous charges - £20 (£14 UAB & £6 ADGD?) relates to a date which I've checked back and there were funds in the account and no UAB was actually done! I wonder how many more there are, sneeky beggers! Well on my way to completing the schedule of charges now... I'm at £3688.71, no idea on interest though because I'm lost so I've decided I won't claim for that......
Okay, bit silly but can anyone pleeeeeeease help? I've now found a charge for £26 in Aug 03 - when I look back, the account was in credit so this can't be UAB etc and the charge doesn't look right at all? Nattie are you out there!!!
hi nuddy
its a while since i had to do that, if i remember those acc charges are for the previous month ie july charges taken end of august. and that £26 charge sounds like £6 adg £20 uab this link should help if you havnt already checked it out
An update and a plea for help! I've calculated the charges and want to get moving. I'm about to send of the claims letter but I don't know if the bank have defaulted me or not, should I spend more time looking into that or should I just remove that section - below:
Additionally you have entered a default notice against my credit record.
This default occurred merely in respect of unlawful charges levied by you or
was the result of impecuniosity caused directly by the taking by you of
penalty charges which you had applied unlawfully to my account.
In addition to full payment of the sum mentioned above, I require that you
remove the default entry from the register. Please note that mere correction
or amendment to the entry will not be acceptable.
And I could perhaps write this instead:
I will require that any default notices that you have entered on my credit records be removed if I find that you have done so following the taking of any unlawful penalty charges. Amendments or corrections will not be acceptable.
Thanks everyone, I'd be sooo grateful for help as I'm really nervous about sending it, hence the reason its taken ages!
Hiya, two addresses (I write to a freepost address and then send another recorded to: Natwest, 135 Bishopsgate, London, EC2M 3UR (I believe this address is the one you use if your claim goes to court), the freepost address is:
Customer Operations, Natwest, FREEPOST NAT12685, LONDON, WD6 1BK
Okay
A quick update, I have posted off my prelim. letter for claims just under 3,400. I will update post when I get a reply OR have to send my 14 day letter.... nail biting stuff this, I've got butterflies with nerves but we'll get the blighters!
Hehehe! We're quick you know! Only kidding, they're the two addresses I've used and seem to have responded, given the odd delay tactic, within a 'reasonable' time!!
Hows Nattie and the bloomin' good work that you're doing?
well fine, i think most people are trained enough to spot an advantage gold account quicker now, and so i need to post less so i somtimes end up in the chat room helping a few others who have queries and relaxing, but work continues until(to quote the PM) "the job is done"
Could I ask? Why is it that employers of NW tell us we should send in penalty charge claims? Isn't it against what companies would normally let us do - tell customers to claim against the company you work for when you still work for them!
Is it simply tactics - they don't have to then go on to deal with our complaint?! Or is it because they know we'll do that anyway?
I would hate to think that all Natwest employees want to shrug us off, because most that I've spoken to seem to outshine those other dreaded uk companies that I cringe at - they're actually friendly and helpful most of the time, apart from the odd one which is far less than you'd find somewhere else!
If someone is intent on claiming against Natwest for what they perceive(oops bank speak) as penalty charges, unlawful charges, then as a bank we have to inform you that you should put it in writing and who it should be sent to. To be blunt, if you came into the branch and said you wanted your charges refunded and there is no bank error, then i will be the first to decline the refund straight away.
Love it when you talk dirty Nattie!!!! Whoops.......... off to the bear garden for me (it's the only place the mood I'm in!!!!!!!!!!!!) Soz for hijack!
An update:-
One of my accounts (the one usually dormant) has been closed by crapwest without sending me a supporting letter etc, I don't really mind but wondered why they would do this when the account is in dispute so, after advice from Nattie, I called them yesterday and they called me back today.
Because it's been closed they can't tell me anything, isn't that nice! So I have to go to my bank. I can't get a balance on my norm. account because someone cocked up my pin no. then cut me off when I was going to reset it! Then I lost my card! How dippy is that?
Anyway, to cut to the chase I sent my lba (or is it SOS?!) letter for claiming on 2 accounts dated 8/3 and I've been told they're making an offer which is 'probably' why the 2nd acc. was closed. Although they know they're making an offer, apparently the letter may not be sent out for another 2 weeks - how very strange - so I might have to send a chase up letter anyway (boo).
I have to say the girl I spoke to in c/relations was lovely and helpful and, although she referred me to my local branch, she did all she could which was great.
I'm glad to see that NW aren't using any delay tactics - probably because I handed one letter into the branch and copied it to borehamwood (not mr higgledy piggledy yet, that'll save him five minutes I'm sure he's got plenty to do already!) so they couldn't exactly say they didn't receive it.
So, I'll just wait. My 2nd letter is due to go out on Thurs...just hoping to the bank gods that they don't want to close my main account. I won't be bad with my account again, promise.
Any comments on the offer at all? D'ya think it will exclude the interest as that seems to be the norm.
Erm, a person who wasn't supposed to tell me how much the offer is did tell me what to expect, around 2,400 wasn't quite what I expected! I think I'll be declining that one. I haven't received anything anyhow so I have to post my 2nd claim letter tomorrow...
Erm, a person who wasn't supposed to tell me how much the offer is did tell me what to expect, around 2,400 wasn't quite what I expected! I think I'll be declining that one. I haven't received anything anyhow so I have to post my 2nd claim letter tomorrow...
Also forgot to say, when they sounded so helpful at customer relations they told me nothing but told me to go to my local branch. The branch member looked at me as if to ask why the hell had they done that as they all use the same computers anyway. So I basically dragged my to little ones out in the rain to get to the bank for no reason. They're not doing very well are they?
Couldn't send out my chase letter on22nd so will be doing that monday.
Well, about the account closure or the offer? If it is about the closure then the branch should pull their fingers out because it is something they can look into and find the reason.
Its the account closure, nobody can tell me why its closed which I find bizarre. I've now spoken to 3 people, not one of whom took any responsibility. Rather daft but then its been the same every time I ring, no matter how friendly the operator is they either can't tell me whats going on or don't want to. Don't know how many times I have to spend my own time on wasted phone calls and visits to the branch.
Sorry Nattie, just on my soap box this morning!
I've complained to the OFT and FO so I'm not going to get anymore wound up about it.
Nuddy vs Natwest ***WON***
charges together and that is really confusing me - there are interest deductions from times when I wasn't overdrawn, mysterious unspecified 'charges' even when my account was fine so HUGELY confused.
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Re: Nuddy vs Natwest
Re: Nuddy vs Natwest
Originally Posted by nuddy
