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.
Hi,
I have just seen the five news which encouraged me to do a research and I found this site. However before I found this site I wrote an e-mail to Natwest regarding the charges going back only 3 months and I demanded them to be refunded. Also I only asked for £38 and £35 charges (2 £35 and 3 £38) which total £184. I think the other charges are for OD interest. Did I ruin it before I even started by asking for the past 3 months as I am scared it will look like I have accepted the previous charges.
Also I called the customer services and asked for all my statements in the past 6 years, they said "I need to call in the morning before I put the phone down the guy said " oh can you please wait as a customer manager wants to speak to you, it is just a quick review of your account" I said "tell him to call tomorrow" and put the phone down as I thought they might have guessed that I was about to start claiming charges.
Am I being paranoid???
I am sure that they have guessed.
Don't worry.
Start again. Send the DPA letter in the library.
Calculate your charges
preliminary letter - 14 days letter before action 14 days
Send the good news
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
I have one more question..
I am supposed to claiming only OD and DD charges right? I can't claim for charges for gold account or interest?
Also let's say by mistake I claim charges I shouldn't, wouldn't that make my case void.
This is my final silly question, I promise
Read the FAQs and the forum material and you will understand the principles upon which you are claiming.
Don't forget that you could end up in court and you had better understand what you are doing
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
What I require
I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX
I have copied the above sentence from the preliminary approach letter. I am confused about the "plus XXX" part. How do I calculate this? Is this the 8% statutory interest or is it different?
I am about to send the letter just making the last touches, could anyone please answer if you know the answer to my question.
Thanks
The 8% part is only once you issue court claim, so don't worry about it just now.
The "+ xxx interest" part is for people who want to reclaim the additional interest that was levied on the charges, on the unauthorised o/draft, etc...
I personally think it's easier not to bother, just claim the charges, keep it simple. Also, it means that if the bank use the "we should be entitled to get something", the answer is "you are, you're getting to keep all the accrued interest".
Apologies to people who I was in the process of helping, I may be gone some time.
As you might see from my first post, I had written an e-mail to Natwest asking for the charges for the past 6 months. At the time I didn't know that I could claim for 6 years.
Since then I sent them another e-mail asking them to disregard my first request as I will be making a claim for 6 years.
Today I received a reply, I will summarise it for you.
"We are sorry to hear you are not happy. All charges for the past 6 months are correct. You are claiming £184 but as a goodwill gesture we decided to refund you £100. In order to credit the money back into your account please sign below and send this letter to us."
At the bottom of the part I am supposed to sugn it says
" I agree that this is final and full settlement for this matter"
I am obviously not accpeting it.
What do you think?
you seem to be more successful than me - at least you got an offer - but there again I would have been very surprised - nay shocked - if they had offered to repay any part of my claim (£2300) without a fight!
It appears that they know you are in the right and hope you will accept the lesser amount than fight for the full amount.
Hi,
Unfortunately I don't know how much they owe me as they haven't sent me the statements dating back 6 years. At the time I made my initial claim I didn't know I could go back 6 years.
Anyway now I wrote to them refusing their offer and I told them that I will be suing them for all the charges going back 6 years. (Once I receive the statements)
Hi,
Unfortunately I don't know how much they owe me as they haven't sent me the statements dating back 6 years. At the time I made my initial claim I didn't know I could go back 6 years.
Anyway now I wrote to them refusing their offer and I told them that I will be suing them for all the charges going back 6 years. (Once I receive the statements)
Shows the value of reading the FAQs and the forum material
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
bankfodder, i read FAQ but I was asked to sign a note saying this is the enof this matter and the charges that may occur after this will be charged to my account accordingly.
So I didn't want to ruin my chances of claiming for the past 6 years
As mentioned above I was offered £100 by Natwest.
I sent one letter saying that I am rejecting their offer and that I would wait until my past statements and make a claim for the past years.
Straight after that I received another letter signed by another customer service representative saying that their offer is final and I should sign the bottom of the page and send it back to them. (I didn't respond)
My statements arrived and I sent the first letter asking for £1518 back. Today I received an e-mail saying this:
"Please find attached a copy of our letter to you dated 17 March, the
contents of which remain pertinent. Please let us know if you wish to accept
the offer to refund £100."
Thank you for your e-mail. You can see from my previous e-mail that I have rejected your offer. In additon I have given Natwest 14 days to refund £1518 back to my account as this amount is the total of all the unlawful charges you have taken from my bank account. I am surprised that you are still offering me the same £100 when Amanda Jones knows that I have rejected the offer. Please check the trail of e-mails below and you will see that Amanda Jones sent me an e-mail confirming that I am not interested in your offer. You can either refund me the full £1518 or I will not hesitate to take this matter to court.
One final question, I suggest you start a small discussion within your department and try to find out how many people would accept a £100 offer when they are owed £1518.
Oh you gotta love that last paragraph in your email! Good for you - it really does seem like we need to spell it out for these people. Good luck with the claim.
Kotum45 v Natwest **ANOTHER WON**
regarding the charges going back only 3 months and I demanded them to be refunded. Also I only asked for £38 and £35 charges (2 £35 and 3 £38) which total £184. I think the other charges are for OD interest
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Originally Posted by kotum45
