Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Peter and The Pirates ***SETTLED IN FULL***

    Well, folks, after absorbing as much as I could from this site in the last few days, looking at the fantastic help and support available, I have decided to start a claim against NatWest.

    What I've done so far is to request a copy of the bank statements which I don't already have, and will follow this up with a DPA letter whether or not I receive them.

    One question I do have at this stage is, does anyone have any advice as to which banks are easiest to open an account with, because I really need to buy a parachuteicon? I don't want to fire off a dozen or so applications and further damage an already fragile credit rating.

    BTW, I've already started another thread about the charges the bailiffs are levying against me. Just if anyone's interested.

    http://www.consumeractiongroup.co.uk...ghlight=petecc

    I'll keep you posted.

    Regards,

    PeteCC

    PS If you're new here, as I am, please PLEASE read as much as possible the contents of the site. You will get SUCH a feeling of empowerment when it starts to hang together.

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  2. #2
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    Default Re: Peter and The Pirates

    Hi Pete, welcome aboard.

    Do you think you are likely to get a standard current account, or would it be a Basic account.

    If you're looking at Basic ones, then usually I would mention the NatWest Step account, but I don't think that would do you any favours now, would it. As such, the Co-Op Cashminder seems to get reasonable 'reviews' and I could also recommend the HSBC Basic Account - I've had one for about 18 months now.

    When searching for one, I would just say that you are looking for alternatives rather than making specific reference to the fact you have been charged or you are claiming charges etc etc.

    Apparently they get a little upset

    ..

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  3. #3
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    Default Re: Peter and The Pirates

    Thanks for that amazingly fast reply, jonni2bad. (An insomniac, too?)

    Yes, methinks NatWest would be a fun choice, but possibly not best chosen, and although I'm usually fairly outspoken, a little tact in stating why I want another account would be sensible.

    Co-op sounds good, 'though.

    Thanks again,

    PeteCC


  4. #4
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    Default Re: Peter and The Pirates

    Hi Pete

    Would recomend Abbey basic Acc. - You can always upgrade later to a std Acc.
    They were sugested to my by the consumer crediticon Counceling Service also as an alternative to Snatch west.

    They are very helpfull and you don't have to give a reason why you want to open an account or show them any balances from Snatwest accounts - just show them a front slip from a statement with your address and acc details.

    Good luck

    The Mixer


  5. #5
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    Default Re: Peter and The Pirates

    Thanks, Pixlmixer. I'll check that one out, too.

    Regards,

    PeteCC

    NatWest, claimed 521.00, settled in full.
    Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming 570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk...-progress.html
    Settled in full 905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.
    Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

    Ooh, the suspenders is killing me!
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  6. #6
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    Default Re: Peter and The Pirates

    Having read this forum a lot, I really REALLY would NOT reccommend Abbey. However, I've heard a lot of good stuff about First Direct (despite claiming back my charges from them), and I'm reasonably impressed with Smile - who invest ethically too if that floats your boat.


  7. #7
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    Default Re: Peter and The Pirates

    Well I guess they're all the same and that's why we're here. Point is A basic account is abou as safe as you can get - if you keep in the clear - no overdraught or extra card facilities and as an alternative to Snatchwest, Abbey were recommended by consumer crediticon Counceling Service.
    Obviously tho and very important, DONT go to Bank of Scotland as they are Natwest's sister bank.


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    Default Re: Peter and The Pirates

    BTW First Direct took my Father's house off him when his partner ran off with all the funds...


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    Default Re: Peter and The Pirates

    Quote Originally Posted by Pixlmixer
    BTW First Direct took my Father's house off him when his partner ran off with all the funds...
    That's worth a thread of it's own just to see if he can get compensation...


  10. #10
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    Default Re: Peter and The Pirates

    Thanks for your replies, all much appreciated.

    I do have one question, and days of trawling the site hasn't helped, but I know it's in there, surely.

    When EXACTLY, does the '6 yearsicon' start. Is it 6 years from the date of first sending a letter claiming the return of the charges, 6 years from the DPA letter, 6 years from filing the N1?

    The reason I'm asking is that on one of my accounts, I'm sure charges were accruing 'round about 6 years ago, and I don't want to claim for anything which is not covered and which may subsequently come back and bite me. (Notwithstanding the thread about claiming for MORE than 6 years.)

    Sorry if this has been asked before, I have looked, honest.

    Regards,

    PeteCC

    PS I checked out this thread http://www.consumeractiongroup.co.uk...ad.php?t=10009 but it's still confusing.

    NatWest, claimed 521.00, settled in full.
    Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming 570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk...-progress.html
    Settled in full 905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.
    Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

    Ooh, the suspenders is killing me!
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  11. #11
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    Default Re: Peter and The Pirates

    I always start counting the 6 yearsicon from the date of my preliminary letter

    25/06/08 - NatWest - Prelim letter
    09/03/06 - Halifax - Settled 27/4
    22/03/06 - Capital One - Settled 24/6
    17/04/06 - Nationwide - Settled 8/9



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  12. #12
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    Default Re: Peter and The Pirates

    Thanks Bovvered, I was wandering that too and well done for asking Pete.
    As you can see there are a few of us having a problem with recorded DPA requests not been signed for - 7 days now since posting mine. Royal Mail don't seem to have an answer and we are suspecting that they will be returned.


  13. #13
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    Default Re: Peter and The Pirates

    Well, got a polite letter from my branch manager informing me that they could not send me statements referred to by page number, only by the dates, (why not? It's their filing/notation system), so dates it is then and I sent them off yesterday. (Just occurred to me that I should simply have asked for them all.) Another delaying tactic, methinks.

    Regards,

    Peter

    NatWest, claimed 521.00, settled in full.
    Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming 570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk...-progress.html
    Settled in full 905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.
    Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

    Ooh, the suspenders is killing me!
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  14. #14
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    Default Re: Peter and The Pirates

    Hi Pete,

    Why does that not suprise me! As you say its their system... They do seem to appling delay tactics here, especially as we have now been informed by them that they are inundated with DPA requests etc. Guess this whole business is getting a real headache for them lol.

    I would sugest that you request DPA (recorded) for the full SARicon info but also follow up with the phone callicon (see my thread) so you can at least begin work on your spread sheet.

    My Recorded (1st class next day service) DPA of the 06/06/06 STILL has not been signed for.


    NatWest
    Offer accepted - 24/07/06 - 615

    -----------------------------------------------
    Cap One
    Prelim - 22/08/06

    LBA sent - 06/09/06
    MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06
    Offer of full settlement via personal cheque accepted 269. Wait 14 days in post for cheque from - 07/11/06


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  15. #15
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    Default Re: Peter and The Pirates

    Quote Originally Posted by Pixlmixer
    My Recorded (1st class next day service) DPA of the 06/06/06 STILL has not been signed for.
    And never will be. Don't take this as non-delivery though, 1st class mail is deemed to have been delivered in 2 working days. Your timescale starts from that point.

    Recorded delivery = utter sh***

    ..

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  16. #16
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    Default Rolled over with hardly a fight.

    Hi, All,

    Sorry I haven't posted anything for a while, but as nothing of any real importance was happening, I mean by that nothing which was different from standard letters to and fro etc, so nothing of any real help to anyone, except.............

    I asked for the statements again, on 20th June, and this letter was ignored, so I fired off a letter of complaint to the manager of my branch. Two days later I had a phonecall from customer servicesicon who apologised profusely for the delay, and promised to have the entire set of statements for me within a week. (Not just the ones I had requested.)

    They arrived, as promised, and I got a follow up call asking if I had received them. So, thank you, Kate, at NatWest, you were pleasant, helpful, and delivered on your promise.

    So, I calculated the charges (521.00) and sent off the first letter. (30th June) Standard, 'sorry you are unhappy' reply, with the helpful little booklet enclosed.

    lbaicon sent (17th July), with the reply of, 'get back to you within 10 working days', and another helpful little booklet. This arrived on 25th July.

    I wrote again, telling them that their schedule of 10 working days meant that they would over-run my schedule for making a claim, and that I would be filing, as planned, on 3rd August.

    On 26th July, BEFORE this letter could have been delivered to them, I received another letter telling me that the charges were fair, transparent (yada yada), but they had taken this opportunity to review the account and were to refund all the charges. Please signal your acceptance.

    I did, and am now 521.00 the richer. (Perfect timing as I am going away for a few days, and 25.00 will be winging its way into the BAG account.)

    So, nothing very dramatic, no histrionics, just a half-hearted 'No', then a resigned 'Yes'.

    Oh, if only it was that easy every time.

    Good luck to you all.

    PeteCC

    NatWest, claimed 521.00, settled in full.
    Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming 570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk...-progress.html
    Settled in full 905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.
    Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

    Ooh, the suspenders is killing me!
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  17. #17
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    Default Re: Peter and The Pirates

    Congratulations!


  18. #18
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    Default Re: Peter and The Pirates

    Thanks NWSM, so now, 'It seemed that out of battle I escaped......'

    PeteCC

    NatWest, claimed 521.00, settled in full.
    Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming 570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk...-progress.html
    Settled in full 905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.
    Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

    Ooh, the suspenders is killing me!
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  19. #19
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    Default Re: Peter and The Pirates ***SETTLED IN FULL***

    Well done Pete - I missed the post saying you'd had the money...

    CONGRATULATIONS!!

    Don't forget the survey

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  20. #20
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    Default A codicil

    Hi, All,

    I had occasion to visit my branch the other day, the first time I'd been in since reclaiming and receiving back my charges.

    After I'd concluded the transactions, the teller said that there was a note on my file to say one of the advisors would like to speak to me and 'Did I have a few minutes?' I said yes, and she said, 'I'll just tell her and I'll give her your card (Solo)'.

    (Uh-oh! She's walking away with my card, they're going to close my account!)

    So, I sat for a few minutes in the reception area, rehearsing what I was going to say, quotes from the FSA and BBA etc, words like 'retaliatory' and 'unconscionable' flitting about in my head.

    Anyway, I got invited in, sat down, and the advisor asked how I thought my account was going. 'Pretty well', says I, 'I'd just like a better one.' (It's a Step account.) 'That's what we're here to look at.' she replied.

    Turns out they wanted to 'upgrade me' to an Advantage Gold account, a 'real' account with a chequeboook, overdraft facility etc. For this, and the additional services, they would only charge me 12.00 a month. So I accepted, but on the condition that I would only use the basic service of the account, not the additions, hence NO 12.00 charge. So, I now have 4 accounts with them, the Step, a savings account (comes with the Gold), and for some reason, I have 2 Gold accounts as well, one with the 12.00 charge, as yet unpaid by me, already refunded.

    I guess this would relate to Bookworm's thread http://www.consumeractiongroup.co.uk...etro-27-a.html

    Ah well, such is life.

    Regards,

    Peter

    NatWest, claimed 521.00, settled in full.
    Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming 570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk...-progress.html
    Settled in full 905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.
    Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

    Ooh, the suspenders is killing me!
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