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thailand with regards to the original post, can i ask if the account is over its limit as we speak? are the benefits the only thing going into the account? What has been the cause of it? was it a charge that took it over the limit or a DD? It the latter make sure she gets a copy of the DD's and Standing Orders on the account which you will be able to have a look through to begin with.
Hey Thailand....... welcome on board with nasty west!!! Good luck with this claim.......... I think you're doing a brilliant job already. Best wishes, hedgey xxx
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Re: 'Claire' V Natwest
Originally Posted by NATTIE
thailand with regards to the original post, can i ask if the account is over its limit as we speak? are the benefits the only thing going into the account? What has been the cause of it? was it a charge that took it over the limit or a DD? It the latter make sure she gets a copy of the DD's and Standing Orders on the account which you will be able to have a look through to begin with.
You know Nat, I called her today because I simply didn't ask enough questions and Lula's appropriation post was enough to make me realise I debating it wasn't enough and I should get the answers.
I don't know the answers to these questions either I will call again tomorrow and ask. Thanks for the support.( I was just going to wait for statements and see)
Nat, I probably should know better - but why does it matter if it was a charge or a DD that took her over? I can instantly see the difference but I am unsure of its worth.
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Re: 'Claire' V Natwest
Originally Posted by hedgey06
Hey Thailand....... welcome on board with nasty west!!! Good luck with this claim.......... I think you're doing a brilliant job already. Best wishes, hedgey xxx
Awwwww, thanks Anything to add a nail into the Banks coffins.
at the moment just background info to be honest, it is getting a picture of things which can help. I think once the SAR is fulfilled then the picture will be clearer and i can help more if there are any questions.
Thai, sometimes it takes someone looking it from the outside to see things, ever heard the phrase "cant see the wood for the trees" well your are inside the wood ;-), thats what is so great about this site and the people on it.
oh and i have to ask, where on earth is Tangerine country?
Lula
Lula v Abbey - Settled Lula v Abbey (2) - Settled Lula v Abbey (3) - Stayed
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Re: 'Claire' V Natwest
Arghhh, I'd have to rely on your memory rather than mine! I did go in the chatroom a fair few times, but real time multi postings left me baffled as to what was being said. I've a feeling we did - but can't quite recall. Note to self *knock the russian fluids on the head* :o LOL x
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Re: 'Claire' V Natwest
Hi peeps,
Well an update rather sooner than I'd thought. I am completely amazed. I haven't really had a good read around the Natwest forums (I will!) so I don't know if this is standard, but Natwest has complied with the SAR in around 7 working days (still pinching myself).
I really don't know where to start with the plethora of questions that have been popping in my head over the last couple of hours, whilst highlighting like crazy, but if anybody can help me with a few, I'd sure be grateful. The info and plausible outcomes on all levels is spinning round my head!
Right, I'll probably have to subtract some because these charges are all over the shop, and change frequently and are not that clear to me, some may be for service and others are bewildering but, I think this is going to be a potential fast tracker and I've never done that ( having seen these fees etc, I can imagine Nasty West loathers are used too it?)
The quick calculation comes out at £5283.78 (includes part month charge increases, I assume). I know for sure looking at Natties charges post it is going to over 5K.
The first thing that is concerning me is that the statements recieved run from 9th Feb 2001 to 29th December 2006. Why have they gone back too far, and stopped to early - is this tactics? Towards the end of these statements 'Claire' was running up hundreds every month - the figure would surely have been close to 6K if they had provided up until my SAR request.
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Re: 'Claire' V Natwest
Haven't seen Credit management services Nat, I don't think (god bless you for being online!)
I've seen loads of £37,£29 and £40 and loads of £9's amongst loads of other randoms. How do I find out from the statements if its adv Gold? it just says current account at the top.
100% it is. There is two threads on the Natwest sticky's by my good self that explains them, they may one or two that may not necesarily tie in, post on here and i will answer definitively. But £37, £29, £40 and £9 tell me that i am correct but among the first three of those, there is unarranged borrowing and claimable.
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Re: 'Claire' V Natwest
Righty ho! I've got my head round all these charges.
Its going to be over 5K.
Natwest only provided 5 years 11 months despite asking for her entire banking history. I don't yet know how long she has banked with Natwest, but there is a running balance, so it does go back further.
I still don't understand why they have only sent up until December 06. If Claire hasn't got those 4 months to hand, I'll see if she's up for giving Joyce Tudor a call. I'm considering a letter to the IC for non-complaince, but will wait for 40 days to be up and phone calls etc. The Natwest fun begins.
There is only one charge I'm puzzled with now, £22.50 for 'copy statement fee' in Feb '03 - WTF?!
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Re: 'Claire' V Natwest
Well, I'm a happy chappie this evening, I feel mightily relieved.
I've spoke to Claire today and managed to find out something that I should have known from the start that relieves me of all the potential problems I was worrying about. I was worried about Appropriaton and what the banks reaction would be (freebirds getting called into the bank was on my mind and having just lost my licence and the distance etc). Also needing signatures re non-compliance, and phone calls etc....
I could go on all night about my worrying but its all vanished, because it turns out the reason why Natwest only provided statements to Dec 06 is because the account was closed then (even though I don't see a closing balance?) She is now with RBS and in no cycle of charges.
So, I'll put in prelim in the next couple of days - the statements do go back beyond 6 years - just - but I think I've read they'll either pay them or they won't.
Has anyone any opinion on the £22.50 copy statement fee before I charge on?
'Claire' v Natwest **WON**
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Originally Posted by NATTIE
I will call again tomorrow and ask. Thanks for the support.( I was just going to wait for statements and see)
Anything to add a nail into the Banks coffins.
.
( having seen these fees etc, I can imagine Nasty West loathers are used too it?)
(includes part month charge increases, I assume). I know for sure looking at Natties charges post it is going to over 5K.