Charlieboy VS Natwest ***WON***

**charlieboy2007** · 14th May 2007 12:48

Hi all,

Ive written to Natwest icon

twice now requesting my credit card charges. Ive heard nothing again. Can I send them a lba icon

requesting what I consider my chrges are and its upto them then to reply agreeing or disagreeing with my total?

I think its only around £200 but Im so pi&&ed off that they havent replied to me.

CB

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**PPMAN159** · 14th May 2007 12:52

Best to send them the non compliance letter that can be found in the templates area..

Also mention to them that tbney are brewach of the Data Protection Act aCT es

**PPMAN159** · 14th May 2007 12:53

Best to send them the non compliance letter that can be found in the templates area..

Also mention to them that they are breach of the Data Protection Act and that you will be sending copies of your letters to the Information Commissioner.

**PPMAN159** · 14th May 2007 12:54

opps-ignore post number 2.

ChloeJane · 14th May 2007 12:56

Hi there,

Estimating is not a good idea so it is best to get the statements.

Thought I would send a link that might be useful for the process of the SAR icon

just to be sure it is followed and is clear.

http://www.consumeractiongroup.co.uk...tml#post811212

All the best,

CJ

**Parkvale** · 14th May 2007 14:07

http://www.consumeractiongroup.co.uk...n-act-non.html

**charlieboy2007** · 15th May 2007 16:50

Thanks guys. Stupid me....I found the list of charges when I cleaned up my kitchen. My girlfriend had put it there and stuff got put on top. Anyway, my charges come to £388 but Im going to try and get the interest icon

aswell. I used the interest calculator on moneysavingexpert. This gives me a total of £416.41. This is for my credit card. Doing my request for bank account statments now.

**charlieboy2007** · 23rd May 2007 17:18

Yep, sent the lba icon

to Natwest for my refund of Visa money and now Im doing a LBA to them over my Advantage Gold current account. My charges come to £3393 and £3755 with interest icon

. Im sending the sheet with my charges on and interest to give them the option to pay me now or risk over £300 interest on top.
Fingers crossed!!!

**charlieboy2007** · 6th June 2007 11:51

Ive had 2 letters back from Natwest icon

offering me £63 instead of the £388. I am now going to start the court proceddings off. Is this right? Im going to do it through moneyonline and start it off. The letter I had said that it was clear in the terms & conditions that I would be charged when I opened the account. I had replied with a letter saying that I agreed to pay the charge as it was to cover your costs. As the cost is £2 I would like to know where the other £10 goes.
I received a letter today with the same offer and saying that they are in the right. So Its court time. I want to get the interest icon

off them aswell now.
Am I doing it right???

**steven4064** · 6th June 2007 14:22

Originally Posted by charlieboy2007

Am I doing it right???

Sounds like it.

The letter you got is standard Natwest icon

rubbish - file it for later use but otherwise ignore it

Steven

If this post is helpful, please click the scales

Any opinions are without prejudice icon

& without liability.
Almost everything I know concerning the law I learned from this site.

**charlieboy2007** · 7th June 2007 11:24

Do I have to send Natwest icon

anything to say I have now started court proccedings??

**steven4064** · 7th June 2007 11:39

Originally Posted by charlieboy2007

Do I have to send Natwest icon

anything to say I have now started court proccedings??

They will find out when the court serves the papers on them. If you use the form N1, send the court 2 copies (3, if you want one stamped yourself) - one for them and one to send to NatWest. If you use MCOL, it will all be taken care of automatically.

Steven

If this post is helpful, please click the scales

Any opinions are without prejudice icon

& without liability.
Almost everything I know concerning the law I learned from this site.

**charlieboy2007** · 7th June 2007 11:41

I used MCOL yesterday. Hope it gets sorted as Im so peeved off with Natwest icon

. Goldfish payed up in full when I didnt accept their offer.
Will be on when I receive stuff from the courts.
Cheers matey

**charlieboy2007** · 3rd July 2007 12:56

I won! Got the full amount off Natwest icon

. My claim was £388

**charlieboy2007** · 3rd July 2007 12:58

I won! Got the full amount off Natwest icon

. My claim was £388 and with interest icon

it would of been £416.41.I went on MCOL and paid £50 to start court procedings and they had till July 9th to defend it. I got a letter today saying that the admit no wrong doing but they feel that it would cost too much for such a small claim icon

so they will settle. Included with the letter was a cheque for £466.41. They paid up the interest and my £50 for the court. Nice one!!!!

**hedgey06** · 3rd July 2007 19:15

CONGRATULATIONS!!!!!
Brilliant result mate........... charges, court fee and interest icon

- doesn't get much better than that! Well done - and enjoy the cash!
Best wishes xxx

**livelylad** · 30th August 2007 11:36

Thread moved to success forum.

Thread: Charlieboy VS Natwest WON

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