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.
Just a little tip, with Natwest banking online you can download a full copy of your statment into excel , when you do that you can filter down to just items that are charges then do an auto sum to calculate the figure.
Not sure if its any help - scared the living daylights out of me, been charged over £2000 in charges since September...
Just a little tip, with Natwest banking online you can download a full copy of your statment into excel , when you do that you can filter down to just items that are charges then do an auto sum to calculate the figure.
Not sure if its any help - scared the living daylights out of me, been charged over £2000 in charges since September...
well I've sent the first letter asking for my statements - dread to say think it will be a higher figure than that.
One question, if say I went over my limit by say £70 would a charge of £35 by Natwest be classed as excessive? - I've been charged between £35 and £38 per charge by natwest and they also do not even write to say they are over charging me (they sent a letter to say they would not send me any letters just charge me each time)
well I've sent the first letter asking for my statements - dread to say think it will be a higher figure than that.
One question, if say I went over my limit by say £70 would a charge of £35 by Natwest be classed as excessive? - I've been charged between £35 and £38 per charge by natwest and they also do not even write to say they are over charging me (they sent a letter to say they would not send me any letters just charge me each time)
One question, if say I went over my limit by say £70 would a charge of £35 by Natwest be classed as excessive? - I've been charged between £35 and £38 per charge by natwest and they also do not even write to say they are over charging me (they sent a letter to say they would not send me any letters just charge me each time)
The fact that a charge is excessive has nothing to do with the amount by which you are over your lmit. It is the fact that it is more than the losses suffered by your trangression.
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.
One question, if say I went over my limit by say £70 would a charge of £35 by Natwest be classed as excessive? - I've been charged between £35 and £38 per charge by natwest and they also do not even write to say they are over charging me (they sent a letter to say they would not send me any letters just charge me each time)
The fact that a charge is excessive has nothing to do with the amount by which you are over your lmit. It is the fact that it is more than the losses suffered by your trangression.
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.
2 Questions: continuing with my bank & processing part o
Hi
2 Questions which I don't think are covered in the FAQ:
1: Once I have won my charges back from my bank (being an optimist here) where do we go from here. E.G If I choose to conitnue using the bank from then on what happens about charges will they stop charging them?
2. Not always being the patient type.. I am awaiting bank statements from until then is it worth me just going for the charges I know of for the last six months (I can get this from my online bank) and then go back further once I have those back ? (its a significant figure as some of you know!) Or should I learn some patience??!??
2 Questions: continuing with my bank & processing part o
Hi
2 Questions which I don't think are covered in the FAQ:
1: Once I have won my charges back from my bank (being an optimist here) where do we go from here. E.G If I choose to conitnue using the bank from then on what happens about charges will they stop charging them?
2. Not always being the patient type.. I am awaiting bank statements from until then is it worth me just going for the charges I know of for the last six months (I can get this from my online bank) and then go back further once I have those back ? (its a significant figure as some of you know!) Or should I learn some patience??!??
They may close your account so the question may not arise.
Yes they are likely to keep on applying the charges. They are very slow on the uptake.
You would be best off waiting and doing it all at one go. I have a strong feeling that you can't keep on going back to the ocurt for more but I can't find an authority for this at present.
On the other hand, you can start negotiating for it piecemeal.
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.
They may close your account so the question may not arise.
Yes they are likely to keep on applying the charges. They are very slow on the uptake.
You would be best off waiting and doing it all at one go. I have a strong feeling that you can't keep on going back to the ocurt for more but I can't find an authority for this at present.
On the other hand, you can start negotiating for it piecemeal.
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.
1: Once I have won my charges back from my bank (being an optimist here) where do we go from here. E.G If I choose to conitnue using the bank from then on what happens about charges will they stop charging them?
IF you get your charges back the banks will continue to bind you to their T&C's regardless - banks are just huge automated machines - if they charge you again, then you will have to go through the whole process again until ultimately they close your account for being a troublesome customer.
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
1: Once I have won my charges back from my bank (being an optimist here) where do we go from here. E.G If I choose to conitnue using the bank from then on what happens about charges will they stop charging them?
IF you get your charges back the banks will continue to bind you to their T&C's regardless - banks are just huge automated machines - if they charge you again, then you will have to go through the whole process again until ultimately they close your account for being a troublesome customer.
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
Hvae just come off the phone from Natwest Customer relations:
Customer Relations Unit number is: 0800 015 4212
Was asking the address to send a DPA request was informed they can send you all your statements for £5 per request - e.g if you asked today for all your statements for the last 5 years on x account it would be £5, if yo then phoned back and said back another year that would cost another £5.
Have been told it will take 6 working days max! Seems a quicker way than the DPA request and cheaper. Will let you know the progress!
I have rang Natwest today and been told they only charge £5 per request no matter how much! Sadly I don't have any monet in my account atm but will be going in, paying the £5 and getting my 6 years worth sent. No need for the £10!
Well after getting my statements via the historic statements route (cost £5) I am starting! Unfortunatly I have two accounts with Natwest so the one with the most charges they sent me all my statements as its a newer account but the other account despite promising statements for the last 6 years they only sent 2!!! Typical!
Anyways sent of the pre-warning letter from the library to Natwest As I have a Advantage Gold account and what I thought was some form of relationship with my local bank manager I personally took the letter into him with 14 days to respond, so far its been one week and nothing not even an acknowledgment of the letter.
Have a question have now calculated that Natwest have also taken a further £245 from my other account with them held at a different branch. Should I see these as two seperate cases and send a seperate letter about these charges to the other Natwest branch?
Online banking makes it easier
banking online you can download a full copy of your statment into excel , when you do that you can filter down to just items that are charges then do an auto sum to calculate the figure.
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Originally Posted by cakey
