Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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    Default carly913031 v natwest***WON***

    Hi

    I have just began my claim. I sent off my letter asking for my charge details and £10 cheque on 26th Feb by recorded delivery and am still waiting for them to arrive, the cheque has not yet been cashed.

    I am claiming on 3 accounts, my graduate account, my current one and a joint one. Can I claim on all three at the same time?

    Thanks

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  2. #2
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    Default Re: carly913031 v natwest

    Yes you can claim on all at once

    If in doubt read the FAQs

    If still in doubt - ask!

  3. #3
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    Default Re: carly913031 v natwest

    Quote Originally Posted by carly913031 View Post
    Hi

    I have just began my claim. I sent off my letter asking for my charge details and £10 cheque on 26th Feb by recorded delivery and am still waiting for them to arrive, the cheque has not yet been cashed.

    I am claiming on 3 accounts, my graduate account, my current one and a joint one. Can I claim on all three at the same time?

    Thanks
    Hello,

    I would certaining be giving them a ring and find out why you cheque has not been cashed. Your request may have been lost in the thousand of SARicon they are receiving at the moment Poor things.

    Once they cash the cheque they cannot deny that they have received your SARicon and once they cash it they have entered into a legal contract with you to supply you with the information under the DPA

    You need to be firm and do this

    Hope this helps and good luck

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  4. #4
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    Default Re: carly913031 v natwest

    Once they cash the cheque they cannot deny that they have received your SARicon and once they cash it they have entered into a legal contract with you to supply you with the information under the DPA
    I wouldn't so much say it's a contract to provide the data, more a statutory requirement (which carries more weight) and you'll be pursuing them for non-compliance if they don't meet the statutory time limits.

    If in doubt read the FAQs

    If still in doubt - ask!

  5. #5
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    Default Re: carly913031 v natwest

    Hi Carly,
    I am about to take 'Natwesticon' on, Could you let me know where I send the request regarding charges to???


  6. #6
    NATTIE
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    Default Re: carly913031 v natwest

    Marcuz, the SARicon is sent to the address in the Natwesticon contacts section, Goggarburn address.


  7. #7
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    Default Re: carly913031 v natwest

    Customer Relations Unit
    225 Shenley Road
    Borehamwood
    WD6 1TE


    this is the address i sent it to marcuz.

    I will phone tomorrow to remind them I'm still waiting, there are so many numbers on the contact pages, am I best to ring Customer Relations department on 0845 6052605?

    Thanks for all you help



  8. #8
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    Default Re: carly913031 v natwest

    I rang Natwesticon today to enquire about the whereabouts of my statements. They said they had no record of recieving the letter but as I had the proof it was signed for the customer relations unit will contact me in about 48 hours.

    If they have lost it in the backlog they said they have, do I have to start again or do they still have to comply to the 40 days?

    Thanks


  9. #9
    NATTIE
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    Default Re: carly913031 v natwest

    no they will have forwarded it onto the Goggarburn address, but they have 40 calender days to comply so that is April. A SARicon is not just statements it is everything the bank hold on you.


  10. #10
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    Default Re: carly913031 v natwest

    Hiya Nattie,
    could you give me the full postal address (Goggarburn address) as I would write it on the envelope. I know I sound thick!!!
    Cheers
    marcus


  11. #11
    NATTIE
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    Default Re: carly913031 v natwest

    firstly start a new threadicon for yourself, top left on the Natwesticon forum and then you will get the address on your thread as we wouldn;t want carly to get upset that you are hijacking her thread, ok?


  12. #12
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    Default Re: carly913031 v natwest

    I recieved some of my statements yesterday, I got all of the statements for my graduate account in a non ripped jiffy bag! Then in a separate envelope I recieved statements from feb 05 to now for my current account even though it has been open over 6 yearsicon, and nothing for my joint account. Also my cheque has not yet been cashed.
    Is it common to recieve statements all packaged separately or should I remind them of the rest of my request?
    Also I have added up my charges for the graduate account and have just over £1000, would people advise going ahead with that claim or keep all three accounts together?
    Thanks!


  13. #13
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    Default Re: carly913031 v natwest

    Hey carly, if you have all the statements for your graduate account, I personally would suggest going ahead with that claim first. As for the missing statements/cheque not cashed, think it's definitely worthwhile ringing nat west and asking them where your statements are. However, the fact that they've already sent you all your graduate account statements looks to me as though they've just overlooked your cheque(all 3 accounts are covered by the one SARicon). They're probably just a little bit snowed under at the moment............. can't imagine why!!!!!


  14. #14
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    Default Re: carly913031 v natwest

    I am just filling in the spreadsheet with my charges, but at the top it says 'schedule of claim for charges' what do I put there?

    Thanks


  15. #15
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    Default Re: carly913031 v natwest

    Also would you address the prelim to Stuart Higley or just to customer relations??


  16. #16
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    Default Re: carly913031 v natwest

    Quote Originally Posted by carly913031 View Post
    Also would you address the prelim to Stuart Higley or just to customer relations??
    I think straight to the man himself

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  17. #17
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    Default Re: carly913031 v natwest

    Deffo go straight to Mr. Higley Carly!!!!! At the top of your schedule of charges, just put your name, account number and sort code. I know the prelim has all that on anyway, but stops them coming up with excuses later on!!! Don't forget to hide the 8% interesticon column - you can only claim this back if it gets to the court stage. Good luck, hedgey xxx


  18. #18
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    Default Re: carly913031 v natwest

    I got a theory on this. Ive been thinking. Even though we cant ask for the 8% at the outset of this process, I always think it looks good to leave the 8% on for later, but only ask for the charges only in the letter, purely so that they can see how much it will be later on if it gets to court stage, i.e. they can then see the extent of how much the interesticon will add to it later on if they dont settle at Prelim or lbaicon. Im not advocating do it, but if I was doing it myself over again, I would leave the column in showing the 8% purely so they can see potentially what it might cost them if they dont settle before court. Sort of an incentive for early settlement so to speak. But so long as in your letter you are only asking for repayment of charges. Where can the harm be in that ? Fendy xxxxxxx Just a thought.

    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.

  19. #19
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    Default Re: carly913031 v natwest

    Never thought of that one honey - maybe we should start advising people to leave it in just for the sheer hell of it!! Might make crap west pay up at prelim instead of lbaicon or court!!!!!!!!! xxx


  20. #20
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    Default Re: carly913031 v natwest

    Best ask Nattie about this theory I think. Hes the one to give ultra knowing on this subject advice like that. Nattie ???? What ya think ???

    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.


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE