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    • Yes, Hotpoint UK has been a subsidiary of Whirlpool for over 20 years. And unlike some domestic goods manufacturers you can buy from them direct and I believe they employ their own service engineers, Is that your situation? You bought direct from Hotpoint and Hotpoint sent out their own engineer?
    • It's Hotpoint (but I believe they're part of the Whirlpool group now?). The part was bought direct from them as a consumer.
    • Thanks BankFodder for your latest, I'm in complete agreement on the subject of mediation and will be choosing to decline mediation, the longer timeline is not an issue for me, I will happily let the going to court run it's course. I really appreciate the support from the Consumer Action Group. I'll post the email text I'm sending to Evri's small claims in answer to their recent defence response. Regards, J    email text I'm sending to Evri's small claims in answer to their recent defence response:  
    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
    • We used to recommend that people accept mediation but our advice has changed. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming and even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been leading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. If it's good for them it's bad for you. On mediation form, you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee but you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi's bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.     And incidentally, there is a myth that if you refuse mediation that somehow it will go against you and the judge will take a dim view and be critical of you. This is precisely a myth. It's not true. It would be highly improper if any judge decided the case against you on anything other than the facts and the law of the case. So don't worry about that. The downside of declining mediation is that your case will take slightly longer. The upside is that if you win you will get all your money and you will have a judgement in your favour which will help others. The chances of you winning in this case are better than 95% and of course you would then receive 100% of your claim plus costs
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NW SAR Request Advice please ?


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I am about to send an SAR off to Nat West. I want to request the details of two current accounts ( one they have closed) and one currently still open. Both accounts either still have loans associated to them and / or have done in the past. I am absolutely certain that at some point in the past few years we have paid PPI on at least one of these loans. There have also been horrendous bank charges on both accounts of which I am planning to make a stab at reclaiming under the Hardship Criteria ( longshot these days from what Ive read but I am going to give it a try ).

 

My question is when sending in the SAR should I do a seperate one for each account enc £10 with each or should I send just one letter asking for the info on both accounts / loans etc.

 

Thanks in advance for your help .

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Hi yes in my experience they will expect two

seperate requests send in seperate envelopes

as well.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Is that correct, Brig. I understood that it was £10.00 for ALL information regarding your financial history with the bank/institution ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It does seem to vary between

financial institutions if a client

has more than on account,

as far as I know there is no

guidance on this it seems to be

pot luck if have as a last resort

to do a SAR I phone the organisation

compliance department for clarification,

even the there are hiccups and different

answers.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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A thought this may be occurring as

habit as most requests are on a specific single account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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How can I find out what is held about me?

 

If you want to know if a person or organisation holds information about you and what information they hold, you will need to write to that person or organisation and make a subject access request. You should ask for a copy of all the information they hold about you. If you are not sure who to write to in an organisation, address your letter to the company secretary.

 

 

The above paragraph from the ICO website mentions ALL information

 

 

Source is here...

 

http://www.ico.gov.uk/for_the_public/personal_information/how_manage/access_info.aspx

 

Regards

 

ims

 

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PG

 

Natwest have a habit of delaying compliance for a variety of reasons....... if any of the accounts you hold with them are joint and several, I'd be inclined to include their details at the footer of your request authorising data release.

 

Unless things have changed recently you'll get the usual response that you may receive data from a variety of departments within the 40 days. I doubt you'll get much [if anything] within the 40 days tbh, oh and don't get sidetracked into corresponding with or chasing individual departments, stick to the Bishopsgate address for any chasers.

 

Gez

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Sorry me again, who do I make the cheque out to for the SAR, National Westminster Bank, RBS ??

 

This is going to sound obvious but

 

If you are sending a SAR for a Nat West account...make it out to National Westminster Bank

 

If you are sending a SAR for an RBS account make it out to Royal Bank of Scotland

 

Personally I would use a postal order and write on the back of it that the payment is ONLY to be used for the Subject Access Request and not for any other purpose.

 

ims

 

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Ok thanks !! Maybe it was a silly question, I thought that NatWest were owned by Royal Bank of Scotland, so I wasnt sure. :???:

 

Hi

 

No probs....Nat West still retain their identity and trading style even though they are part of RBS group.

 

ims

 

:-D

 

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Thanks Gez, Do you happen to know the address for Bishopsgate , I have come up with a few different ones, 16 , 21 for example ?

 

Hi PG

 

I always go with the ICO register........... saves any arguments about delays at a later date.

 

Gez

 

icologo2.gif

Data Protection Register - Entry Details

 

 

 

 

 

 

 

 

Registration Number: Z4936258

Date Registered: 06 October 2000 Registration Expires: 05 October 2012

 

Data Controller: NATIONAL WESTMINSTER BANK PLC

 

Address:

 

135 BISHOPSGATE

LONDON

EC2M 3UR

Other Names:

 

STREAMLINE

NATWEST

STREAMLINE INTERNATIONAL

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They have 40 days from receipt to comply.. so check your tracking number on the RM site in a couple of days. Plus.. if you have sent the fee by way of a postal order, you can check when that is cashed by telephoning

 

01246 542091

 

You will need the PO receipt you were given when you purchased the postal order.. they will want the ID number in order to check.

 

I would wait until about 30 days have gone by before checking to see if the PO has been cashed :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Both myself and Partner have submitted SAR to Nat west regarding our current accounts .

 

My partner has received confirmation of his request but I have heard nothing yet but as there is a complication regarding a ppi with RBS being uphed on a past loan I had, it could possibly be the answer?

 

Yesterday my partner had rather an odd letter from Nat West regular payments team at Chatham claiming his request for direct debits be cancelled for two transactions can not be actioned until he contacts them by phone.

The mystery is that why should he ring especially as both these accounts were closed years !! ago and are no longer relevant and the fact is that we have no dealings with Nat West now that they foreclosed on these accounts eighteen months ago and we now bank elsewhere .

 

Nat West is so incompetent and I am not surprised they are one of the top banks with high level of complaints

 

I am not confident that the request for SAR will be dealt with in a straightforward manner by them but I will plod on regardless.

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Nat West is so incompetent and I am not surprised they are one of the top banks with high level of complaints

 

I am not confident that the request for SARlink3.gif will be dealt with in a straightforward manner by them but I will plod on regardless.

 

 

 

If they dont comply within the 40 calendar days then you can OH can add to the level of complaints :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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