Logan V Natwest ****WON****

**Logan21** · 31st May 2006 22:20

Hi all

Right i think i have got this sorted although not a 100% sure so am looking for someone to confirm this to me.

I have so far calculated since Jan of this year that Natwest icon

have charged me £293, now i know i can claim back up to 6 years icon

ago and will do so as i opened my account in December 2003. So to confirm i have to do the following:

1) send the DPA letter asking for details of all charges on my account with £10 fee to obtain that info. I Should send this to the DPA office of Natwest which i know the address is on here somewhere.

2) If they dont reply within the 40 days i should lodge a complaint for the info

3) Once the info has been provided, i then write to them asking for my charges to be paid back.

4) If they dont respond or i am not happy that they have not provided a full refund i send them them pre action letter notifying them that i will take them to court if i dont recieve my money

5) If still no response i take them to court is that correct?

Also i am slightly concerned that if i start to do this they may request that i pay back my overdraft icon

which is currently £1600 and almost maxed out, should i worry about this or is it likly if they do this it wont happen till further down the line?

Does anyone have any experience if you have to send the £10 DPA fee to natwest or will they do it without the money?

Just wanting to make sure this is correct before i go ahead and do anything

Thanks in advance.

Andy

Similar Threads:

**the_toilet_bandit** · 1st June 2006 15:01

I sent a cheque for £10 made payable to Natwest icon

to this address:

The Data Protection Manager
Retail Regulatory Risk
2nd Floor
Business House B
Gogarburen
PO Box 1000
EDINBURGH
EH12 1HQ

Send it recorded so that you can track when they have received it as the 40 days start from when they do.

The rest of it is pretty much like that. If you've got any queries which the FAQs dont cover, look thru other peoples threads and then if you cant find what your after, just post in this thread and someone will help you

**MARTIN3030** · 1st June 2006 15:22

Its funny how inconsistent they are with these 10.00 dpa fees.

When I called the RBS icon

they said I would be charged,but as the account is closed I sent the 10.00 by postal order.

It came back today with the letter (I return your chequefor 10.00 as goodwill as one fee covers this request ) ????

On occasions where the fee has not been sent I have seen them using this point as a stalling technique.

Therefore the only safe way to go is to send them the tenner..........if they choose to refund half or all then at least the 40 day clock has started ..

**Logan21** · 1st June 2006 18:06

my only other thing is if i send them a chq for £10 i am gonna get charged as i dont have any money really at the moment. Oh well i guess i can send it then claim the charge back lol

Cheers though guys that helps me alot.

**MARTIN3030** · 1st June 2006 18:40

Yes of course you CAN apply the 10.00 to your claim.
Like I said the general trend seems to be them sending the payment back dunno if they think it looks favourable to them (as they say its a goodwill gesture icon

they are implying they have a right to charge)

They do of course have a right to make a charge for duplicate/copy statements but the DPA states that they are only obliged to supply in intelligible form transaction details.

Some people have been succesful in obtaining their statements by simply telephoning the bank.

So Im afraid you will only know later.

To be fair my 10.00 postal order was returned to me less than a week after sending it.

It could be argued that a cheque can take longer to process
A postal order is generally considered to be the same as cash (which apparantly they dont accept by post)

Best way of course is to have iot taken from the account.....as we all know they are very quick and quite ready to do that regularly !!!

lol

**the_toilet_bandit** · 2nd June 2006 00:33

Check my thread out here http://www.consumeractiongroup.co.uk...ead.php?t=6505

it shows how I managed to get my £10 back, don't be surprised if your statements come in a tatty holey brown envelope, just take the unopened envelope to your branch and complain, they'll more than likely refund the £10. If not, then kick up a fuss using the envelope as a visual aid, they'll soon refund you

**Logan21** · 2nd June 2006 08:47

right DPA letter is going to be sent today.

Cheers for info guys

Lets get this ball rolling.

**Logan21** · 5th June 2006 12:48

Ok DPA letter rcd today so by my calculations the lastest date is 15th July.

**Janet-M** · 5th June 2006 12:56

keep us posted

**Logan21** · 15th June 2006 19:59

ok chq cashed on 9th June, still no statements.

**Logan21** · 19th June 2006 18:16

Ok statements recieved today, I am having slight problems calculating what part of the charges are for the Adavantage gold charge and which is the rest

Anyone know what the charges where from 19 Dec 2002 - current date?

I have added up they owe me £1900 less advantage gold charges, so i reckon about £1700 ish, not including interest icon

.

Need to get an answer to this first if poss, and then will start my letter to the co.

**Logan21** · 19th June 2006 20:45

ok having not really worked out what the deal is with the Advantage Gold chagers i have taken off £9 from every charge at the end of the month because that seems to be the amount they were taking when i wasnt getting charges from them. Unless someone can confirm they have succussfully claimed that back as well?

So after that i have £1665.27 including interest icon

on penalties. Now i want to send my pre-lim letter, but what i want to know is, whats the best way to highlight the charges as per the letter?

Dont think i need anything else.

Andy

**the_toilet_bandit** · 20th June 2006 00:44

andy

I had similar charges, the ones with a date and the account number on it. I had a look online, and they seem to be Un-arranged Borrowing Fees, they were either £28 or £29 and always happened at the end of the month.

I was with Disadvantaged Mould, but I stopped it because I wasn't getting any benefit at all, back in the day it was £6 a month hehehe, but these strange account number charges still come thru even though I stopped the DM service.

You wouldn't be able to claim the Gold charges back because (apparently(couldn't see it myself)) they are a subscription to a Premium Banking Service, and not actually a penalty charge.

The best way to highlight the charges are to either use the spreadsheets in the bank templates library icon

, or just write them down in date order, stating date, type of charge, amount etc...

hope that helps

Bandit

**Logan21** · 20th June 2006 06:50

OK thanks Bandit, i have checked online and I cant find anything about the fee on my account at all, I think i may submit it with these charges on there then because there is no where on my statement that shows as Advantage Gold payments etc.

**Logan21** · 25th June 2006 08:27

OK Pre-lim going tomorrow Recorded delivery,

Here we go then.

**Logan21** · 28th June 2006 18:09

ok reply recieved already standard stuff from Mr Higley

Should i wait 14 days or go ahead and send my lba icon

?

**MARTIN3030** · 28th June 2006 18:16

If they have made it clear they arent gonna budge then send the lba icon

They have already replied to your prelim which points out what you expect them to do...............and what your proposals will be.

**Logan21** · 24th July 2006 22:21

Ok Moneyclaim done this evening. Am i right in thinking that if it gets accepted i have to pay another £100 as well in costs?

**Its WAR** · 26th July 2006 00:59

You will have to pay a £100 fee when filing the allocation questionaire, but only if your claim is over £1500. The court will send you the aq icon

after they receive a copy of the defence. When you return the AQ you will get a date for the hearing, and it appears Nat West will settle before the hearing.

**MARTIN3030** · 26th July 2006 01:26

Originally Posted by Logan21

Ok Moneyclaim done this evening. Am i right in thinking that if it gets accepted i have to pay another £100 as well in costs?

If they file a defence icon

then you will have to pay the 100.00 for the allocation questionaire.
They have 14 days to file after the claim is acknowledged.

The 100.00 of course is recoverable.

Good to see you have done so well so ....last hurdle now.

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