Thread: SETTLED IN FULL - Kerry Vs Natwest!

They have been dragging there feets for ages now, if you stick to the timetable and ignore their constant stalling efforts you will get your money back.

With regards to the DD - it is down to the company that claims the DD to claim on the right day - the bank has no control over this and you should take it up with the company involved.

I expect they will take forever to send you your info under the DPA - you might get lucky....theres a few folk taking the banks to court of DPA non compliance, and you can always submit an estimate once the 40 days are up if they havent sent you the info.

Send the letter recorded if you can then it cant be conveniently lost.

Best of Luck - sounds like you know what you are doing x Keep us posted.

Hi Kerry,

I'm a noob 2! Will watch your claim with interest as have mine going at exactly the same time. Am so with you on how they treat us, your story sounds so familiar. Untill seeing this site I thort they would always win on friggin technicalties "ah yes but Mr C. the money wasn't cleared untill two mins after the DD was presented" etc

Good luck x

I have opened my new account - basic account with Abbey, not even got a debit card! :cry:

Have cancelled all DD's and SO's with Natwest and set up with abbey

have also posted my letter - keep everything crossed!

Hi Kerry
Just wanted to wish you luck, we are both starting our claims against Natwest at the same time, it'll be interesting to compare notes.
i only came on the site for the first time yesterday and I'm really impressed with the knowledge and support on offer.
i'm sending my DPA letters off tomorrow recorded, just so the slippery bar stewards can't say they didn't receive them!
My most recent bounced cheque came at a time when I had more than enough to cover the amount, naturally I rang up and they refunded it, but if I hadn't checked....... still that was the exception, on my personal account over 5 years they have had nearly 3k inc interest. It makes me feel sort of ashamed at being so hopeless but when you look at the statements over such a long time you see how their charges were usually the reason insufficient funds were available. not ashamed now just bl**dy angry and determined to succeed.
good luck girl!
kate

Hello all, im quite new to all this, just sent my DPA today (recorded post).
Natwest have been getting up my ass for the past 3 months, since my account opened back in 2002 i didnt have a single charge for anything. And then march arrived this year and [EDIT - PLEASE REFRAIN FROM PERSONAL ABUSE]WEST decided to take a direct debit early and made me miss a payment of a cheque, from this tiny mix up and over ten charges later the snowball effect totaled £433 in charges .

They messed my credit rating up so bad i cant open another account now so if they do shut my account down im screwed.

Ah well we shall see what happens....

Mornin Kerry,
And Hi to Brandon and Kate... Glad we all seem to be at same place. This is wicked!
Well done on the Abbey acc. Not much fun but we're covered if the Nats shut us down. Got another letter from Snatchwest yesterday adding another seemingly random £12 fee for unnaranged borrowing (just because they can!!) after already charging me around £200 in last month alone. I keep putting money in my Nat Acc from Abbey to cover their charges then they just seem to add more - what the hell are we supposed to do withiout this place?!
It feels so good to know now that we can just add these charges onto the claim and not have to get depressed and feel helpless against them. After writing a long despirate letter to my branch manager over two weeks ago I still have no reply - personal friendly banking? - then I found this place! I am SO looking forward to sending her a pre lim letter (recorded of course) TELLING her to pay me back or I'm going to sue the ass of them

There is an interesting thread here 'Oh my God! They paid up' in Natwest section 06/06/06
http://www.consumeractiongroup.co.uk...ead.php?t=9245
The guy did not use the standard template here but altered it a little quoting some parlement ruling that banks have to leave us enough money to live on (calculations available on the net somewhere - I will investigate and let you know). If by their charges they leave us nothing, as has often happened to me, then it's not actually illegal but certainly frowned uppon in court as a serious misdemina. Anyway he got his full amount back in a matter of weeks is the point because im guess they seriously did not want this one to go to court.

Keep us posted, The Mixer
_________________________ __

DPA sent 6/6/06 Recorded 37 days and counting...

Ohhh were all in the same place with Natwest. A couple of years ago I was on income support as i was out of work and had just had a baby. I ended up in hospital and a direct debit didn't clear. I rang Natwest when I got out and they said i should have got someone else to put the money in. I explained I was extremely poorly and the last thing on my mind was money and they just basically said what do you want us to do. I am so happy that this has all been brought to the surface. I estimate that in the last 6 years they have had approx. £3000. I have just looked on my account today and they have bounced a cheque for £40 because there was only £37.87 in my account and now they've charged me £38 which has taken me into the red and they will now charge me another amount at the end of next month because they've took charges. Its a vicious circle that i'm finding it very difficult to get out of.

I've just tracked my letter online (sent recorded delivery) and there is no tracking info (which indicates it has not yet been delivered)

Has anyone had Natwest REFUSE to accept delivery of a letter?

and also does this mean their 14 days are up? i thought it was 14 days from when they recieve your letter (which i took as the day after i sent it) but it quite clearly has not yet been delivered? Hmmm......?

Hi Kerry,
Just a quick note...
My DPA Requesr has still not been signed for after posting on the 6/6/06 so am concerned too as clock does not start ticking til they officially recieve the request :-|
Is this a new aproach by Snatchwest? Anyone else having this problem keep us posted...

I'm so annoyed - it's STILL not delivered!! good job i sent it recorded otherwise i would assume they had recieved it and the clock would be ticking!

and: thanks for pointing it out that it's 40 days - don't know where i got 14 from! *slaps forehead with hand* DER!

Hi all, just had a letter back from Stuart Higley today, he's basically said that there charges are fair, reasonable and transparent, he then babbles on about the office of fair trading statement of 5 april 2006 and that they do not accept its findings in relation to its findings on credit card fees. He then goes on to say that he is concerned that the office of fair trading has publicly called into the question the the setting of charges applied to other products, including current accounts.

Then he says against that background they cannot find any instances where charges have been applied when not properly due.

And thats it, no money yet, although i didnt expect it yet anyway.

All i can really say is what a bunch of tight fisted greedy bull****ing ass munchers.

anyway on with the battle...........

Hi Kerry
Glad to see you are fighting back . I had a big row with Natwesjust afew hours ago they are so rude. I'm about to send off my first letter requesting my bank statements did you get a reply from bishopsgate? Ifeel much better knowing that I am not the only one having these difficulties I was drowning fast!! know I have the courage to fight thanks to this marvellous website. Going back 6 years I guess I'm owed about £1000 plus taking loans out on bad Natwest advice but that's a separate matter.

keep me posted.

Anna
ps good to see there is another lamps fan!!!

STILL not delivered! anyone else had theirs delivered! ARGH! so frustrating

All my letters have been delivered thankfully Although I didn't need to request 6 years of statements. I just went for the kill as I am only going for the last 12 months as this is when my account became "delinquent" (so the banks say). I have already had £100 credited to my account and I am still pursuing the remaining £997.74. They have till 19th June to respond.

Hi kerry

none of my dpas have been delivered either, all 3 of them? how unlucky is that!?
i've tried a new tack which is to ring up and asked for the statements to be sent. so far no probs but they are due in 10 days so will update then.
However! Check out Pixlmixers thread.......good info. Because they were sent 1st class recorded, the DPA 40 day clock started ticking anyway. Your proof of postage recorded delivery slip is proof.
So we havnt really 'lost' time. try ringing up for your statements, they may charge you a fiver for the lot, which if the DPA cheque isnt cashed is no biggy.
At least then u can calc how much they owe u and send off preliminary request for refund. A DPA complaint can follow later as a seperate issue.
just want to get cracking!!
kate

Letter STILL not delivered and money still not taken from my account! GRRRR