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.
This ones really important to me ive just sent my own claim off to the Halifax and last night i began the assault on the Nat West bank.
my Son is in debt up to his eye balls and a couple of years ago tried to sort out his Debt with them he needed a small loan which they refused and then started banging his account every month with unauthorised overdraft charges.
really want this one to succeed as he has a small son and needs every bit of help he can get.
Ordered the Statements last night for £5 all started quite easy they were very helpful.
Well done Eastham you've taken the first step and everyone on here is really helpful and supportive any questions just fire away
You can relax in the sunshine now whilst you wait for your sons statements. Fingers crossed you can get him loads of money back because I bet a really large amount of that debt is charges alone! Good luck
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
Well done Eastham you've taken the first step and everyone on here is really helpful and supportive any questions just fire away
You can relax in the sunshine now whilst you wait for your sons statements. Fingers crossed you can get him loads of money back because I bet a really large amount of that debt is charges alone! Good luck
Your not kidding at one point he had nearly got below the overdraft level and paid in some more but there charges put him back over.
It's always a good idea to send them a letter telling them that the account is in dispute and that your are currently in the process of reclaiming bank charges.This might help his finances by them freezing any extra charges he might get before the claim is settled.
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
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
Well we receivd his statements yesterday,
he has plenty of failed direct debit charges normally £37 but also seems to have a lot of overdraft penalties of £12 and some chages of £10 are these all claimable or is it jut the £37-£39 faled dd charges?
Advantage Gold account 100% also, we have never charges £39 are you sure they are not the Halifax statements. By the way £12 advantage gold, £37 Advantage gold £9 plus unarranged borrowing £28,
A Nat west card plus account.
his total was charges £1200.00+interest of £284.24 this would wipe out his debt to Nat West and some extra to clear his card.
the charges were mostly £9 upto end 2004 then £30 for referrals, charges £37.00 and unpaid items £35.00 card missuse £25.00 charges are now running at £12.00 per month nd then interest of £10.00.
W we will get this letter off tonight to Borehamwood and also send one to his branch asking them to freeze the account.
This would be a real boost for my Son and his girlfriend if they were to win his cash back.
Whats the success rate with the Nat West? and what sort of time scale should i expect? i will stick to the one suggested on here of P.L +14 and lba+14 are Nat West playing to this when pushed?
It is definitely 100% advantage gold, in fact i am not just that sure i am 100000000000000% certain, the figure you quote on the £9, £12, £10, £37 and £29 back up what i am saying. Referral charges are fair game but it cannot be a card plus account because that charge is exempt from a card plus as is unarranged borrowing. I am a certifiable expert on charges, i am an employee of the bank 100% advantage gold.
It is definitely 100% advantage gold, in fact i am not just that sure i am 100000000000000% certain, the figure you quote on the £9, £12, £10, £37 and £29 back up what i am saying. Referral charges are fair game but it cannot be a card plus account because that charge is exempt from a card plus as is unarranged borrowing. I am a certifiable expert on charges, i am an employee of the bank 100% advantage gold.
Does this mean in your opinion that he stands a chance of getting this back?
Eastham you misread my post, there are things that he will get back, ie referral fees, unpaids fee and unarranged borrowing. Have a look at the top of the Natwest section, there are 2 stickys on charges guide, (the one that needs cleaning up is advantage gold and unarranged borrowing). It is that one that will guide you on the fees that you will get back. The smaller thread is NatWest charges which explains the charges what they are and how much. That one will give you charges that you WILL also claim. As i said ONLY the advantage gold part of the charges can you not claim.
Eastham75 v Nat West for Son
and last night i began the assault on the Nat West bank.
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Originally Posted by Caz1974
